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I do recall they changed the formula conditions for when a NPC healer feels the need to heal you. Before it used to be when I ever got to yellow HP (or scraped my knee) she would cast cure V on me. They toned it down to a much more reasonable level that's conducive to conserving MP semi-effectively. I just think maybe at lower levels it's down to the wire can can be rather dangerous to "depend" on them for life/death situations.