It is my understanding the first 75 favor of the silver flame does nothing.
How about making it so you earn the plus hp regen out of quest areas rewarded after 75 silver flame favor. Until it is earned we don't get the benifit of regen is my idea.
This would bring back the tavern days of beta. The atmosphere of lowbies hanging out in taverns to regen, (those who don't have the 75 silver favor).
Remember those days? It was fun. The taverns were packed and toons mingled and such.