hi Steve
I would prefer following approach
creating a separate User model in a different name space like business (to represent business login) and It will have all the business logic and there will be a separate user model which derives from ActiveRecord
example would be
class Business::User
#inside this all the user business logic goes
#you might need User (ORM) model when required like find action
end
and my controller will communicate with Business::User and this class will communicate with User (ORM) class for database actions
class User < ActiveRecord::Base
end
By this way you can separate your business login and ORM. either way you should keep your controllers thin while giving more processing to your models
cheers,
sameera