The good 'ol cop out answer: it comes down to what you want to do with the narrative.
Recent example. The very first event my character attended with a new guild when I first returned to DF was hit by a critical failure, and then almost critical damage immediately after, going from 100% HP in their roll system to something like 10-20%. I ended up roleplaying it out and saying that their armor was pretty much shredded and spent some time writing out their recovery, visiting a healer or two in the Stormwind cathedral, and shopping around for an IC leather armor seller for a replacementâŚActually, I still havenât found any IC leatherworkers >_>
For additional context, though, the character I was using is meant to be extremely hardy. Insofar as I know, they have the highest health of anyone in the guild so far using said guildâs roll system and the highest to defense, so I elected to take the near-0-HP stuff as extremely damaging and spawned off some roleplay interactions, but I didnât have her down for the count for OOC or IC weeks/months on end. I actually spent a little time having the character do some more lightweight research on a side thing for the story campaign weâre doing and counted that as their recovery time.
Also, one other thing I want to point out in the case of battles, either emote or d20 based - taking âdamageâ can mean fatigue! On one of my characters, a battlemage, I count half her health as, wellâŚâfleshâ and half as âwardâ, and healing the first half of her HP is just regenerating her own wards. On my less magically inclined characters, Iâll sometimes count a strike reducing HP as forcing them to expend additional endurance to avoid getting their skull smashed in. This also gives healers some more leeway to work with as well, since it lets their heals regenerate alliesâ stamina instead of something like internal bleeding, flesh wounds and the like.
FinallyâŚLast thought. Itâs relatively easy to see mighty warrior-type characters, or mighty mages. Archmages, archdruids, warriors and paladins in full plate with powerfully enchanted weapons. Less commonly seen, Iâve found (admittedly, it might be 'cause Iâm not super involved in dedicated healing communities, but still) is the healer equivalent. One character I made recently to explore that sorta thing is a priest Lightforged who is exceedingly old and spent almost her entire life cramming allies full of green numbers. Full disclosure, Iâm of the opinion that unless itâs mid-battle, every encounter with healing should include mundane methods first, and sometimes only if only time is required to heal the wound. I like to play healers who have extremely limited mana pools, limits to their mental endurance, and so on. The best way Iâve found to let healers feel cool and whatnot is to boil it down to âunless someone is cutting your head off right this moment, the chances of you dying on the spot are very slimââŚand thatâs it. Everything still hurts. Trying to walk on a broken leg while being healed would still definitely make it worse in new and interesting ways. For my uber-priest in particular, I play up to her history - she was a battlefield priest, so her spells and ability consist almost entirely of âyou can keep fightingâ. And, wellâŚyou can keep fighting - in some cases, you probably really shouldnât, but you can if you want. In the aftermath of a fight, Iâd treat Renew/Heal spam more as speeding up recovery, and any extremely complicated wounds such as organ damage, or heck even multiple organ damage + bleeding + probably some sort of magical effect fighting against the heals as taking just as much effort and concentration as actual surgery. That is, something that 99% of the time isnât - and really, mostly canât - be done in the middle of battle or something to take effect immediately even if itâs successful. If someone is injured but is probably going to be fine without magical intervention, sheâd likely refuse to help them because stamina is limited and there are probably other people who will actually need that kind of assistance.
Thereâs always that âwhat is the risk you tookâ, and maybe that risk is âthey got used to having a healer to patch them upâŚuntil they didnâtâ. DMs, target healers in your events! 
Sprinkle in some âyouâre wounded, but also magically infected with a DoT and the first person who tries to heal/dispel also gets rektâ. Maybe the villains lost the initial encounter, but that was their plan all along and theyâve sent out assassins to target the healers while said healers are hard at work zshwooping wounds away, kinda like interrupting an important magical ritual.
Uh. AnywayâŚ
Does magical healing cheapen RP? TLDR it depends on the kind of narrative you want. Iâve found that matching the narrative significance of the situation (or even specific attack) in the healing process is a good way to go, because ultimately Iâm after character growth (or regression) of some sort. Sometimes you get hit and your character has to ponder their life choices, expand their combat style and all that, and other timesâŚWell, you canât do that with every injury just like not every Stormwind walkup has to or should be a life-changing adventure spanning decades.
