StreamOfTheSky
Adventurer
My group usually splits treasure equal to number of players +1 party share. From the party share we buy things like wands of cure (light/moderate/serious) wands and any encounter gear (like silver sheen, potions of water breathing, ect.).
I like to do something like that. We usually just deduct 5 or 10% of the total treasure value before dividing it up at all. Party treasure is spent on lots of things besides healing items, revivify/raise dead and remove [paralysis, blindness, etc...] scrolls. Also has been used to pay bribes to NPCs, buy material components, tools, or foci for spells that will buff the party (like Create Magical Tattoo's ink), on things like scrolls of align weapon... My last group was evil and we decided it was a fair use of party funds ot pay for the onyx of anmate dead for the army the cleric and Warlock were creating, rather than have them pay for it themselves (In this case, the Bard character did most of the in battle control of them anyway, so they really were "the party's" minions).
I don't see why you need healing surges in PF, though. Wands of cure light are cheap. Druids and Clerics can heal with their spells; Rangers, Paladins and Bards can heal a little with spells; Cleric and Paladin get class features to heal for good amounts; all the above mentioned can use healing wands; and monks get a (admittedly so incredibly weak I'd never waste any ki on it unless it was an emergency) self-healing ability. That's half the classes right there. You'd almost have to intentionally try to end up with a party without healing.