Yes, this can be a challenge.
I solve it by cooking 1 time
per week.
I look at my meal plan and cook everything then pre-separate it into meal portions.
1 time a day I pack all my meals. It takes me 3-5 minutes every morning to pack 4 meals.
So, on Sunday I cook a whole 3-4 pound chicken, a 2 pounds of turkey, 2 pounds of lean beef, 2 pounds of salmon...I also cook up the sweet potatos, and rice that I need. The veggies I will steam if I eat them steamed, though I personally eat mine all fresh.
The whole cooking affair takes about 30 minutes of hands on time to cut and spice and prep and get in the oven... and about 2 hours of cooking and packing. I am usually doing dishes and other stuff so I don't notice the cooking.
That might solve your cooking issue. That is how all the athletes I know handle it.
Ok lets get you on track a moment.
One rule is:
NEVER miss a meal.
When you are trying to lose fat (or gain muscle), you want to keep the body in a fat loss (or muscle gaining) state all-the-time.
Any time you cause it to go into a survival state (missing a meal) or a fat storage state (eating sugar) it takes a while to get the hormones back on track.
Another Rule:
This has to work for YOU The way I do it is not the way you do it. You are now an athlete. When you eat, people should know you are an athlete by the way you eat! However, this has to work for you.
So you go through a few trial and error stages to discover what is do-able for you. Nobody said it would be easy, but it can be simple and it can be personally manageable.
However, you should know that it may yake you time to get totally comfotable with this. The information you have is how to do this is an advanced manner. Just be aware that there is a learning curve and you might fall off, like this,

a few times.
Ok the final questions...
Can you use meal replacements: Yes, Any time you can not get to a meal, a meal replacement is needed, but...
The problem with meal replacements are many. They lower your caloric expenditure. They all contain high sugar or artificial sweeteners. Either of those can impede fat loss! That means taking a meal replacement 3x a day will impede fat loss. 1x a day might not be a problem but you have to get a baseline of progress first and then put the MRP in and see if it trips up your momentum.
Powders are better than bars in most every case. I will make some recommendations at the very end...
if cooking 1x a week still does not work.
How critical is it for me to have the ratio Im aiming for (25/50/25) of macros at EVERY meal? Is it more important that I stick to the intake ratio per meal, or just end up with that ratio daily (over the course of the day)?
Every meal should be within 5% of the target. You just plan meals that do it. The end of day, total ratio should be within 5% of the target as well.
Let me explain what is coming.
You have been training in the gym maybe 4 days? Awesome!
Every 8-12 weeks you take a week off and then start a new resistance and cardio workout plan that has built in progressions.
As you go, you continually add recipes to your cooking repertoire that please you and are easy for you to eat. Even 1 new recipe a week is progress! In 7 weeks you have all new foods you are eatin and every week something is changing. In 12 weeks, you have a "cookbook" and you can pick a certain meal and exchange it for any other meal any time!
Once you get settled into training and progressing and have momentum...I will recommend a few dietary changes that will speed up the process. If you did them now, the only thing that would happen would be...you would stall.
What you are doing now is the best thing you could do. For you, for your family...
Ok...some alternatives.
Bars ThinkThin bars (I use these as a travelling MR)
OR
Designer Supplements sustain bar
http://www.supplements101.com/Sustain_Bars_p/dessustainbars.htm Either should be eaten with a vegetable and might be reasonable.
As for MRPs...
http://www.discussbodybuilding.com/m_109098/mpage_1/key_/tm.htm#109281 Again, should be eaten with a vegetable and might be reasonable.