'Another way to balance 1 and 1/2 move chess is to have white accumulate
at 1.45 moves instead of 1.5 this way after a 20 move game white will be
off by exactly 1 move that it is penalized at the start for.'
Not quite. 20 times .45 is 9.0, but 19 times .5 is 9.5, thus you penalize
White more.
Your idea is interesting because it makes a subtle difference in the play
of the game, but perhaps the penalty should only apply during the first 10
moves and after that White accumulates at the normal rate.