...when a spacecraft stationed there diverges toward either side of the saddle, and station-keeping is no longer maintained, where will it go?
The Earth-Sun $L_{1}$ point is unstable, just like the rest of the Lagrange points. If a spacecraft degrades from a quasi-stable orbit at $L_{1}$, it will most likely just orbit the sun in a heliocentric orbit. This happened with the ISEE 3 (or ICE) spacecraft which was sent after Comet Giacobini-Zinner in 1985.
ISEE 3 orbited the sun for ~30 years and eventually came back around to Earth in 2014. Remember, the Earth-Sun $L_{1}$ is centered at something like ~230 $R_{E}$ away from Earth. If a spacecraft "falls out" of orbit there, it will just keep moving along in its normal tangential motion around the sun. Note that the ISEE 3 spacecraft was sent into an $L_{2}$ transfer orbit prior to leaving Earth for Comet GZ.
The JWST won't be at the Sun-Earth L2 point forever...
No, it will not. I do not recall if there are plans to degrade the orbit and crash the spacecraf to avoid debris build-up. However, if we assume JWST were to lose communication with the ground and go into safe-mode, its orbit would degrade. It, like ISEE 3, would most likely enter into a heliocentric orbit as well, but it would lag the Earth, instead of lead it like ISEE 3.
Note that WMAP stayed at the $L_{2}$ point from 2001-2010. Then the Planck spacecraft was launched and sent to the $L_{2}$ point in 2010.
I'm most interested in the Earth-Moon system...
I seem to recall that there are spacecraft debris that are being tracked that are in some of the Earth-Moon Lagrangian points.
There is a consensus that there are small asteroids and dust clouds in the Earth-Sun $L_{4}$ and $L_{5}$ points. These are called trojans. The Earth has a relatively large trojan that was found in 2010 by the WISE spacecraft. We have known about the Jovian trojans since the early 1900's.
Which of these would crash into the moon and the Earth?
This actually depends upon the phase and speed of the orbiting object when its orbit finally degrades. I am not so sure that one can definitively show, for instance, that the Earth-Moon $L_{1}$ orbit will always result in the object crashing into the Earth or the Moon.
Generally, a spacecraft inserted into a Lagrangian point orbits in an elliptical pattern in one plane (i.e., the plane of the two bodies creating the Lagrange points), and the third component of the orbit is decoupled, called a Lissajous orbit. The amplitude of the out-of-plane component matters here as well, because if too large the orbit will degrade in a completely different manner than if the in-plane amplitudes become too large.
In short, the system is very complicated.