If you're doing what you need to do to ensure you won't be interrupted, that's ideal, even if it does force you to play less often. I will say that the system isn't retarded - you should never let real life come up during a game, to say nothing of having it come up so often you get banned.
For example, right now I have a roommate playing some bull**** Xbox game(**** that guy, seriously), so I cannot play ranked like I would like to, because I don't want to throw a game for four people who deserved to win because I have a second delay in reacting to the game. If you're dcing, or getting called away for whatever reason(ignore it, it can wait... I've had people stop midgame to take phonecalls... like really? ****ing call them back when you're done), definitely don't start a game, especially not PvP.
So you're doing the right thing there.
If you own alot of champions, it might be worth focusing your IP into runes and runepages. If you use RP(or have alot of extra IP, which I doubt), there's a great sale on runepages going on right now. Take advantage of it, get a few extra pages, and build them up. They don't have to be perfect - for a long time, I just had a very basic AD page and a very basic AP page. It didn't give me much versatility, but it did what I needed it to do and allowed me to play the vast majority of champions with an advantage.
Hope that helps.