Out of curiosity, if you roll a 20 with no surges left, are there any official rules dealing with that?
According to the death saving throw rules, if you roll a 20 and have no surges left, your condition does not change. There's an odd phrase "expressed as a negative number" in there, but that part is trimmed out in the updates.
Presumably, that means your condition doesn't improve - you're still dying, and must continue making saves indefinitely, until you either fail three times or receive aid from an outside source.
Given your posts in other threads, as you are the only character with healing and none of the other players seem inclined to share the responsability i would try to always leave your last healing surge for yourself.
I am curious, in the fight that left you dying with no surges how many did you spend on yourself and how many on your companions?
At the very least they should all be stockpiling healing potions to use during the adventure rather then exhausting your resources, i would advise carrying one yourself which should only be used in situations such as these.
Actually, in the fight I was left with no healing surges, the DM made a mistake with the disease rolls. In order to determine the disease progression he told us to roll every round instead after every extended rest. I had four surges when the fight started, got infected with Filth Fever and two failed checks (God, I hate 4e diseases) got me to final state(now I see that I cannot regain hit points. So if someone attempts to heal me what happens?)