Hmmm, Bob. I haven't noticed cloudiness or crystals or floating sediment in any of the wines stored in my fridge, but a) perhaps I am just not that observant, b) all my whites are filtered (possible, but unlikely) or c) this refrigerator just doesn't have that much vibration. I have, however, observed that in white wine left in our kitchen refrigerator, which is colder, newer, on wood floors, etc... But like you, that cloudiness leaves quicly, and it doesn't seem to affect the taste.
I usually only put bottles in the garage refrigerator I intend to drink within the next month - the rest go to the cellar. I am going to check tonight to see if I have any that have been there for a couple of years, and the same wine is in the cellar. And do a little test.