My tips on efficient campaign play

[The_Emperor]

A good way to avoid bad vices is keep a commander in combat. Also try keeping you governor's and top generals out of other stacks, for some reason leaving them in their own stack helps.

This is very true.

I found that commanders of large stacks tend to get the bad vices more than those who are seperate.

So dispersal is a good idea.

[Blodrast]

Afrit , about your suggestion with leaving governors in garrisons: I have not personally verified this, but my feeling is, and I also remember having read this somewhere, that they are more likely to get bad vices if they stay in their home province (i.e., the province they are ruling).
So what I usually do is swap them around, ie.g. gov for province A goes in province B, and viceversa.
I have not seen any evidence that keeping a general in a stack of his own or in a big stack makes any difference.

Also, as you all know, the bad vices really start popping up in two stages, when you have some 40% of the map, and really bad after you pass 60%. Until then, it looks to me they are quite random; in my current campaign as the Turks, my troops have been sitting _completely_ idle in Bulgaria, Greece, and Constantinople for more than 100 years (some 120 years to be more precise).
I get good vices as well as bad ones: some of them get lazy, but not too many; but I also get numerate and silver-tongued (+acumen), and a few oddly get utterly fearless and brave beyond belief (how can they, when they've never been in a fight ?)..

[Ludens]

Also try keeping you governor's and top generals out of other stacks, for some reason leaving them in their own stack helps.

This is very true.
I found that commanders of large stacks tend to get the bad vices more than those who are seperate.
So dispersal is a good idea.

I always leave govenors and generals apart, because the V&V's related to governing (farmer, builder, etc) go to the leader of the stack the governor is in, not the governor himself. Strange but true.