Handling change addresses without using rawtransactions?
It sounds like there is a misunderstanding of how accounts work (which is not surprising given that the accounts system is very unintuitive).

First of all, addresses are only tied to accounts for receiving, not sending. So when you send from an account, any input associated with any address in the wallet can be selected for the transaction. During that send, the account's balance is deducted by exactly the amount that was sent. Change goes back into the wallet and has no effect on the balance as it was not sent from the account.

The account field in listunspent is slightly misleading as outputs are really not associated with accounts at all. When you send from an account, ANY output can be chosen as inputs for the transaction, not just ones that are part of the account.

When sending, because you know the recipients address, you can use the subtractFeeFrom parameters of sendmany or sendtoaddress to specify that the fee will be subtracted from the specified addresses (i.e. the recipients). This should still deduct from the account balance.