Sometimes you will hear a husband and wife talk about their duties they need to accomplish throughout the course of the day on amateur radio. We all know that some of what they are saying is in their own little cryptic language so they don't tell the world things like "no one is home now so break in and steal all of our stuff".
The intent is not to keep others from knowing a code but in someway it is protecting their lives and privacy.
I feel that using a duress or an action code that is meant as means of indicating a situation to another person or a few people is teetering on the edge but if it is meant as a means of protecting yourself from physical harm or your property from theft it may be over looked if anyone could detect the true intent.
I have created ways (providing the assets are still up) of informing others (perhaps third parties) of duress or a means to contact me. APRS is a great tool for that. Mocking your location in APRS is acceptable. Certain locations could have certain meanings. A location you wish to indicate could be off by 0.10.10 x 0.10.10 and those that know, will know where to go. Ambiguity in APRS is a part of the protocol. In a matter "obscuring the message" this could apply but for the reasons mentioned before, privacy and protection it is acceptable.
I like your idea of a change of modes, frequencies, bands. After all this is a site for the prepared ham. No one says that we have to tell anyone about the sequence in the same manner that closed repeater network operators do not freely give out DTMF sequences or PL tones in order to access their repeaters.
If the 3LA (Three Letter Agencies - I just made that one up because I got tired of typing it elsewhere) want to listen and hear and know what and where the when is happening it would take little effort. We would mainly be learning how to use the radio when the day comes that the word "reconstitution" comes into play.
Practicing like ARES and RACES for critical events should not create any concern. If we are asked by someone needing to know we explain and change. Spread Spectrum is an allowed mode. Who says that we cant spread the spectrum a but wider and with more protocols and modes?