I am in the "mostly scratches and bruises into you hit 0 HP" camp.
My idea system would have Second Wind, Inspirational healing, and First Aid as limited per day whereas magic healing is infinite. When you drop to 0HP, a PC rolls to see if they are knocked unconscious or if they toke a lethal wound and are dying. Second Wind and Inspirational Healing would each be once a day and only when not dying. First aid would be limited per day and would be very weak healing or stabilize a dying person.
Rest heals you to full in 1-3 days since you are only "scratched up and bruised" until you hit 0HP. People who hit 0HP and are/were dying need magic or actual doctors to return to adventuring shape.
Basically you don't need a cleric. You'd have resources to heal yourself without them. Clerical healing is for emergencies and for when people drop.
EDIT: So
Basically once a character hits 0 HP they roll a saving throw. Failure means they are "flagged" as wounded. "Flagged" characters can only be healed by doctors, long term rest, and magic. First aid, inspiration, and a night's rest no longer works on "flagged" characters because you have a hole in your gut.
My idea system would have Second Wind, Inspirational healing, and First Aid as limited per day whereas magic healing is infinite. When you drop to 0HP, a PC rolls to see if they are knocked unconscious or if they toke a lethal wound and are dying. Second Wind and Inspirational Healing would each be once a day and only when not dying. First aid would be limited per day and would be very weak healing or stabilize a dying person.
Rest heals you to full in 1-3 days since you are only "scratched up and bruised" until you hit 0HP. People who hit 0HP and are/were dying need magic or actual doctors to return to adventuring shape.
Basically you don't need a cleric. You'd have resources to heal yourself without them. Clerical healing is for emergencies and for when people drop.
EDIT: So
Basically once a character hits 0 HP they roll a saving throw. Failure means they are "flagged" as wounded. "Flagged" characters can only be healed by doctors, long term rest, and magic. First aid, inspiration, and a night's rest no longer works on "flagged" characters because you have a hole in your gut.
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