This is why I stand firmly to one side of the debate on whether civil wars should be a game-ending threat. As government, you are responsible for safeguarding against the threat of rebellion and insurrection. If your government falls, so too do you.
I used to be on that same boat. 4 patches later, 4 patches later without having a single civil war, you realise internal striffe, civil wars etc are really just a punishment for playing badly. If you play good, you will be fine (and I understand why, you dont want to punish players with and end game for playing correctly and being good at the game). Which of course it has no correlation with real life, where good rulers and good peaceful times still had to face civil wars, wars with pretenders, etc.
So what Ive found this does is effectively erase that side of the game. And I sorely miss it. But I just cant find it. Its just so easy to get rid of unloyalty that I just havent had a civil war in many patches. I might have had one but I dont remember. Ive been close several time, but you have so much time to fix it that ive always been able to come out of it safe.
And as I said its a side of the game I really miss and enjoy. I wish you could bring it without me fearing it means the end of my campaign. Or maybe a compromise with different types of civil war, rebelions, and dynastic wars I dont know.
But this is off topic, sorry. Lets focus on trade first
