Yeah, I think your scenario works, Steve. I'm not sure why I overlooked that the first time I considered it.
As for your scenario, Redz, why does it matter if he went 5 innings or less for the losing team? The same scenario could pay out if, say, he pitched seven innings, so long as the game was suspended, right? (In fact, the 5 innings or less thing is complicating, because for the game to be suspended at all, doesn't it have to have gone at least 5 innings? Or is it 4.5?)