I have always reasoned that PC droids are those few droids that have developed or bypassed their initial programming to start to alter their core programming that came in "factory settings". If they are wiped not all of who they are will be gone. They may lose details of things but skills and motivations and all that stuff would be still intact in their core programming. A vigilance check ( I think that is the skill that would apply, I dont have the book here) may be used to decide how much detail they would lose but I would not wipe a player characters xp to zero. If your going to do that then you might as well kill the character.
Or you can easily say a character has a back up memory and if you dont know about it as it is unusual feature, then you wouldn't think to look for it or wipe it.