95% of the time I use 1 of my heads with an open backed 1x12 cab, so I'm not too worried about the missing low end from a stack etc :lol:
Ok, so this shouldn't make a huge difference here

The vibrations from the speaker rattling the amp/valves was 1 of the worries I had, how bad is that with most combos generally?
I don't think you can think "generally" about this - kinda depends on the amp and tubes and how loud do you play. And how often. And whether you treat your amp right (letting the tubes cool down before moving it and all that jazz...). And there are of course other potential source of premature tube death.
The only tube-related problem I had so far would have been exactly the same with a head - bad treatment, bad results, my fault. Now I never toured intensively - my routine is 1 or 2 rehearsals a week (moving my amp from home to rehearsal room and back) and a gig here and then - so I can't seriously tell. The only amp I cranked up quite often was the blues junior, and tubes are still good after 7 month of abuse. Never had a problem with the JCM 900 4102 in 3 years of _effective_ use, except for the one mentionned aboved (v1 gone micro but definitly not from the speakers rattling - I almost never had a chance to really push it anyway), and the other tubes were still stock (and just fine, as confirmed by a competent amp tech) when I sold it. The HRDx seems to be ok so far but I only got it a couple month ago (3 gigs and about 10 rehearsals) so it's a bit too soon to tell.
So well, combos are "by design" (or at least because of how they are actually designed) potentially more subject to this kind of problems, but as far as I'm concerned, so far, so good (me crossing fingers here).
FWIW, quite a few guitar players have been touring for years with various combos - including the AC30 which is supposed to cook tubes faster than you cook eggs -, so it's probably not THAT bad...