Yep. Me too.
I live in Vermont, where the winter humidity can get really low. The problem is that wood shrinks when it dries out. Imagine the stresses on a 1/8" thick plate of spruce, loaded with a couple hundred pounds of string tension and attached to rigid sides throughout its entire edge. When the relative humidity hits ten or twelve percent the thing will simply fracture!
There may be other hints of pending humidity trouble, as well. I have a Taylor with an aftermarket set of frets. (Long story, I expect; anyway, someone did a fret job on it and the frets are a whisker long). It's fine until mid February, when the fingerboard has lost enough moisture so that it actually shrinks - but the frets do not. I get little hairline cracks on the binding and a shredded forefinger from playing barre cords. It straightens out about April, though.
I have an old Gibson acoustic with a "Gibson crack" that has rendered the instument (temporarily) unplayable. It happened because I ignored humidity changes over time. The large pickguard expands and contracts at a different rate than the spruce to which it was glued. A stress crack developed right along the edge, from the bridge to the soundhole; from the other edge of the soundhole right up the side of the fretboard, lifting right off the braces. There's over 1/8" displacement at one point. Ouch.
Laminated top instruments don't suffer as much because the top is reinforced by the individual plies of wood oriented each at 90 degrees to the next. The sound suffers in comparison to a solid top, but it's much stronger and less expensive to build.
I minimize the problem by keeping a whole house humidifier (WalMart special) going all winter and try to keep the room where the guitars live at about 40 % RH. You can get an el cheapo humistat from the local Radio Shack (even a hardware store will have a twelve dollar special) to keep an eye on it. I have a dampit for inside the case, which I charge when going out, and in the past I've used a soap box with a wet sponge in it.
Learn about humidity and wood!!