You do NOT lose general induced valour by retreating the general. You lose the moral bonus confered by prozimity (+2 per command star for being close to the general) and I am pretty sure you also lose the +1 moral per command star.

Bear in mind geenral induced valour does NOT change moral at all, you do NOT get the +2 moral a normal valour point gives you, just moral for command starst which os calculated seperately.

A general will NEVER get the good runner vice, or furtherations of it from retreating, he will get this from routing from the battle.

you may get a vice which says your geenral does not include himself in the fray, which I belive is a -2 moral, but this is rare and I have never actually seen it in all ther games I have played, even when an enemy geenral has retreated from the field several times.

you will only get the 'indecisive' strain (-2 moral -1 loyalty) from calling off attacks, not from retreating from them, the worst of this strain is 'vacillator' which gives -6 moral and -3 loyalty.

The 'eager to retreat' strain of vices (-2 moral -1 loyalty) is gained by backing down from defensive battles, always retreating to the castle or from the province, this is not gained in battle itself.

If you general has vices or virtues which effect the whole army (plusses or minuses to moral for the most part) these will STILL effect the army if he retreats from the field, so it is no good using a high star coward and retreating him, as the moral penalty still remains.