Urriak Uruk
Gaming is fun, and fun is for everyone
Haven't read the rest of the thread, because the OP is missing something really important; intelligent enemies will not stop attacking once they knock a foe unconscious.
If you're fighting a foe who is aware magical healing exists (which in most D&D games, will be any sapient being), they are well aware that if someone drops to zero hp, they will likely be back on their feet soon enough.
So any foe who is moderately intelligent will conclude; keep attacking the unconscious person to ensure they're dead.
I can assure you, if you have any enemy attack a downed PC, your players will shy away from the "heal only when we're down" strategy.
If you're fighting a foe who is aware magical healing exists (which in most D&D games, will be any sapient being), they are well aware that if someone drops to zero hp, they will likely be back on their feet soon enough.
So any foe who is moderately intelligent will conclude; keep attacking the unconscious person to ensure they're dead.
I can assure you, if you have any enemy attack a downed PC, your players will shy away from the "heal only when we're down" strategy.