I feel your pain. Something shall be done, because 200 is too many to be lost in such a stupid way.
I am sure system perk shall be revised, or 262 price shall be dropped, lets say, to 140. At least it will be less pain with losing perks.
I personally suggest it being this way:
If no pinged, more than 25% of fuel, no enemy closer than 5k -- then DTD or disco cost you 25% of plane perk value. (Those 3 cover most usual reasons for artificual disconnects: dammaged, not enough fuel to get home, or fast closing enemy).
If pinged, but not dammaged (no red line in dammage list), no enemy closer than 3k, 15% of fuel -- 50% of perks.
If dammaged, less fuel that 15%, closer enemy than 3k, -- 100% of perks.
This system is reasonable, should not be hard to code, and probably do not has a big gaps. Still you can lose 100% of perks while in disco, but at least it would not be so frustrating as it is now.