The electron affinity, defined as the energy released in the reaction
$$\ce{X(g) + e^- -> X^- (g)}$$
is positive for all but the noble elements and a few elements with half-filled shells (see a data table here), which is consistent with the anion being more stable than the neutral atom. This makes it difficult to understand the motivation for the first half of your question, since the answer is a resounding yes, there is no spontaneous driving force that would drive (most) isolated metal anions to dissociate giving up an electron. There is at first glance no theoretical basis to suppose such anions cannot be formed.
On the other hand, the ionization energy of all (gas phase) atoms is positive, that is, loss of an electron is an unfavorable process. So it is not a good idea to generalize that "metals have a positive charge when ionized because it is energetically more favorable to lose electrons than to gain them". Just the opposite. Most metals have favourable electron affinities.
Making anions that are stable is another matter, precisely because most other elements also attract additional electrons.
A useful measure of the relative attraction of elements for electrons is the electronegativity, of which the Mulliken variant is defined as an average of the first electron affinity and ionization energies. And since metals have smaller electronegativities than non-metals, they tend to lose electrons rather than gain them. While most metals have positive electron affinities, their ionization energy is often lower than the electron affinity of other atoms.