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Multilingual Language Models like mBERT are widely used for low-resource NLP, yet their adaptation to morphologically inconsistent languages such as Roman Urdu remains underexplored. Roman Urdu spelling variation causes severe sub-word fragmentation, averaging 1.50 sub-words per token. We propose \textit{ROMEVA} (Roman Urdu Embedding-preserving Vocabulary Adaptation), which combines sub-word-average initialization and a PCA-guided anchor loss to stabilize embeddings during vocabulary expansion. Using a 36,130-comment Roman Urdu corpus, we add 500 highly fragmented tokens to mBERT and compare naive fine-tuning, sub-word-aware fine-tuning, and \textit{ROMEVA}. While \textit{ROMEVA} most effectively preserves the pretrained embedding space, naive fine-tuning achieves the strongest downstream sentiment classification performance. These findings reveal a disconnect between embedding stability and downstream performance, suggesting that stronger adaptation may be preferable to strict embedding preservation in morphologically inconsistent languages.