The absolutely most important factor is the closeness to your leader. The civil wars most often begins because your king got isolated, most often through sea routes getting blocked. Taking care of your sea routes, keeping the king in a central position and keeping modest garrisons is IMHO much, much more important to stave off civil wars than checking loyalty, a trait I seldom even bother to keep track of. And it was at least 10 campaigns since I had a civil war. ;)
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