The way the loyalty deck works now is that there are more loyalty cards in the deck. Also, most times you'll be adding a "you are not a cylon" card to the loyalty deck in any case where you have to draw a new one, such as when you are executed. This Loyalty deck can still have the 2 cylon cards.
The Final Five and Personal Goal cards are mixed into the normal Not a Cylon cards, forming the Not a Cylon deck.
You must reveal the card the moment you complete your personal goal. Thus, the only way to avoid revealing it before 7 distance is to avoid completing the objective until late in the game. However, late in the game is when things usually start getting really bad, normally not a good time to be doing the things that these goal cards make you do. Sometimes, you might not even have the time to complete them, and leaving these uncompleted can make you lose resources at the end.
If you draw a new loyalty card, there are generally more Not a Cylon cards than cylon cards, personal goals, or final five cards.
And yeah, you can say you've got reasons to do something. Then again, Cylon players can do the same thing.
