Those are all very good points. I technically have a hearth vault, because my hf is in my cellar, but that's because I'm too lazy to bother walking through my house to get to my cupboards downstairs.

However, I don't commit crimes, nor own any of the dark skills. I live on a palisaded island fortress, but would my island be smited if it was brickwalls?
No, you don't have a vault. The point of a vault is to make your hearth fire difficult (preferably impossible) to access while you're offline. What you have is a fire in a basement. And no, your palisade is not illegal because it can be broken without a ram, so the fact that one won't fit on the island isn't very important.
As far as whether Jorb should fist island brickvaults, I can see both sides. It's a legit strategy, and if that island is so close to you you should have built one there first. It sucks you don't have room to build a ram, but I seriously doubt anyone will have the strength that would have been required to punch brick anyway anytime soon, so it's not like if you could punch them they would be vulnerable now.
Today is a good day to die.