Filthy Lucre
Adventurer
So, in an encounter, ostensibly all the PCs are fighting all the NPCs - just because you're not engaged in melee with someone doesn't mean you're not fighting. Your own example works against you.Quick healing doesn't need to be plentiful... just a known. Here's a question if 5% of the world's population could only die if stabbed through the heart, as a soldier are you going to make sure if given the chance to stab someone you killed through the heart... or always assume you're not fighting that 5%? What's the safer bet, especially if no one else is attacking you?
You're a soldier in a fire fight, you shoot one enemy and see him fall over. Now, sure, he might not be dead but the other people firing on you certainly aren't dead. Even given your 5% number, you have 100% certainty that you're still being shot at by people standing and capable of fighting.