See, I'm apparently too low level to see any of that. Of the three or so human clerics/favored souls I've grouped with so far, absolutely none of them have healed... at all. In elite runs with the very present chance of a kobold shaman double tapping someone for 50+ damage with a lightning bolt, in which running around damaged is a good way to get instagibbed. I'd probably love to have a competent human healer running along, but I haven't seen any yet

I've seen 3) at least once so far, though... stealthy repossession or something like that. Had to put the cleric on passive to keep it from killing kobold prophets. Mind you, that quest in general is just a massive clusterfuck for a completely unstealthy fighter, but the hireling didn't help.
Right now, I guess I just need to wait until the third or forth level quests, where some semblance of strategy is actually required, and it's possible to get people who have some vague idea what they're doing involved. So far, though, all I've really needed
is a healbot, because dropping 350+pp in healing potions per quest is... unpalatable, and not being topped off gets me oneshot.
Rest of it, good points. I'll keep them in mind when I actually start seeing raids, six person parties, traps I can't get the hire out of, and more than one rust monster on a map. Maybe I should be annoyed that the earlier quests do jack-all to prepare you for the ones coming shortly thereafter?