Steve,
Your question...
> I'm interested in how vibration causes shorts near the outside layers but
> not on the deep inside ones. Could you explain this further?
... has a simple yet not-so-obvious answer.
A defense contractor's (high density BGA) board I recently put through the shakes had a power and ground plane scheme like the type you suggested -- near a surface layer. The shorts arose at the board's mechanical mounting points to the system in which it resided (the hole-plane clearances on this particular board were too tight for the board's inertial mass).
What happened is the mounting screws eventually wore away the FR-4 covering the surface plane layer, which happened to cover the VCC plane. This was exacerbated by the metal washers this particular contractor had chosen. It was only a matter of time before the VCC plane shorted to case ground via the mounting screws.
Once nylon mounting screws were inserted, a second vibration test with the same type of board revealed plane-to-trace shorts forming near the BGAs and other large parts. These generally did not form, however, until g-forces were sufficient to vibrate parts off the board (about 30 grms and up), at which point layer integrity started breaking down.
From these lessons, as a design rule, I put at least 0.2-in. total circuit exclusion around my PCB mounting holes, and place my plane layers closer to the board interior -- whether my design will take serious punishment or not.
Hope this helps. Enjoy.
-- Warpdrive