Actually, method IV is a little more stingy with self-healing than default 4e. A 1st-level 4e fighter with 16 Con can self-heal 84 HP per day, which is 271% of his 31 HP. At levels 10 and 20 with Con progression to 18 and 20, that number increases to 314% and 348%.
Let's not have any more of this, "I'm low on hit points and it's going to take too long to heal naturally, so we'll just rest eight hours, the cleric can regain all his spells and he will heal me to max" nonsense.
I'm saying that 4e surges represent a relatively hard limit on daily healing - self- or otherwise.
