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I know exact reason why you try to make site disabled. Most people do customize login page to look like site closed and allow only for users that are family/friends only. This approach is easiest, but you can achieve the same thing if you allow only certain modules (like login, news etc.) for anonymous and all other modules to registered users. I have looked over the code but have not seen an easy answer on how to do this as you are asking forl The problem is: when you disabe site and make it visible to only certain groups you are checking for user permissions in multiple places.
Remember XOOPS has registered and anyothergroup. You can request users to be approved by you which would mean the same thing, users see all content after they log in but you control who can login.
Need clarification ask, i'm just tired long F1 night