I've actually seen it exposed on numerous occasions... You're right that AI spies don't expose vices in MTW, but they do still get exposed randomly. Thus Secret Perv' get's exposed to Perv' and Secret Adultery is exposed to Adultery - it's just a matter of time. What version are you running?
The quicksave (CTRL+S) does cause save game corruption - usually at the worse possible moment. I remember playing a large campaign once relying on the quicksave and it let me down badly. I think my previous real save was about 100 turns prior... so it was game over. The worst quicksave is the pre-battle save. I've seen a lot of random corruption from that in the past.
A good policy is to quicksave first and then head to the main menu and make a real save. If the game does CTD when you try to go to the menu then the quicksave will be the short term backup.
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