Two words on Healing Surges: Bruce Willis
Okay...that actually needs three more words: Die Hard series.
John McClain gets the crap kicked out of him over and over...he's down (nearly for the count) about a dozen times in a single night. He walks across broken glass, dodges bullets, jumps down elevator shafts, and has strong words (fist to face style) with a bunch of thugs. Some battles go worse than others and during those it seems like he's about to just give up the ghost. But does he?
No. John McClain is a hero and heroes have reserves that run deeper than that. Most of what he was facing was exhaustion and bruises. So he sucked it up and pushed through and caught his breath and went after the next set of bad guys to save the day.
That is what spending a healing surge with second wind and / or between encounters looks like.
Thats a good example but really has nothing to do with healing surges. Healing after combat is modeled in a lot of games, Conan for instance lets you do short term healing, but there are no healing surges in the system, nor are there any ways to "spend" your daily healing potential to do other things with, such as heal an ally, use a power or charge a magic item.
So what you've described is healing or resting, but not healing surges.
Now, eventually (contrived by the plot to happen when the movie is over and the ambulance can get to him) John runs out of surges and can't get up on his own any more. He is hobbling along, barely able to stand.
That is what being out of healing surges looks like.
So if my character spends his allotment of healing surges powering magic items he's going to suddenly look like a bloody wreck? Don't think so.