This is why I think 45 days is far too short. What OP is doing is far from unusual, and depending on what kind of situation someone like OP finds themselves, it may be difficult to access a pc/console with FFXIV installed.

At the very least there should be something in the Mog Station you can access, while your sub is active, that resets the timer. That way you can reset the timer without needing to be on a pc/console with FFXIV, but you're still paying your sub like everyone else.