Large language models (LLMs) are entering clinical practice based on benchmark accuracy that may fail to detect safety-relevant failure modes. Here we present AI-MASLD, a stress-audit framework that adapts the logic of metabolic stress testing from hepatology to the evaluation of clinical LLMs. Using 240 clinical cases across six narrative perturbation probes, we subjected seven models to double-stress testing and quantified performance through three indices: metabolic index (MI), perturbation flip rate (PFR), and counterfactual fairness index (CFI). Under clean baseline conditions, all models performed uniformly well. Under realistic narrative stress, performance diverged sharply, revealing two distinct stress-response phenotypes. Quantized models exhibited pseudonormalization, in which low flip rates hid functional collapse. Medical supervised fine-tuning systematically degraded logical stability, fairness, and information extraction. An open-weight model matched or exceeded proprietary alternatives on every safety dimension. These findings establish narrative stress auditing as a necessary complement to accuracy-based evaluation.