I wonder how your experience would match with mine if instead of having two Clerics, a Warlord, and a Paladin, you just had, say, a Warlord?
No question that the experience would be vastly different! Because we have so many "healers" I sometimes forget that its not the the surge that can be limiting but the healing powers to trigger them.
We, like you, don't like the idea of resting just because the clerics daily is used up. We tend to only rest if the majority of the party is near or at the end of their dailies and even then its only if the story does not call for it.
From my perspective, 4e is a little on the weak side in that the mechanics significantly increase the chance of death when the story drives the PCs forward. In previous editions, there were other forms of healings, be it potions, wands, etc that a group could still use when the story was driving you on. They may have been suboptimal choices but at least you had them. In 4e, if you are out of healing surges, you are out of luck!