Something like that might be okay but I'm sure there are many details that would need to be worked out to reach consensus on it, not to mention coding.

I agree with you that the 13 weeks is a serious barrier to investors, and that's why I am generally supportive of the 4 week change, as something that can be done now, without complicated development, to at least reduce that serious barrier, if not remove it entirely. 4 weeks is more within the range of other popular blockchains (e.g. Tezos has 3 weeks I believe, and you have to wait the entire 3 weeks before you get any of it back), while 13 weeks really is not.