Different issue and it makes my earlier idea way harder to implement, but I think grand finals should count double - not just for suspension incurred during them as they do now - but also for suspensions currently being served.
If you get 4 weeks then the grand final should count for double - you would miss the grand final and 2 other games.
If you give someone a Barry Hall (v Matt Maguire not v Brent Staker) style love tap and get 1 week it shouldn't put you out of a grand final (and the AFL wouldn't have to have dodgied it for the Swans).