The problem with this approach is the high proportion of barbarians/fighters who don't have enough money for potions (or so they've told me). They're the ones who pay so little attention to their Health bar (unless they're barking at the Cleric), they never even stop their forward progress between Subterranean encounters. This philosophy was what had prompted me in my last guild to suggest that the Officer Corps be restricted to those players who had a capped Cleric.