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You need another option: "Too late". That would be my choice.
It depends on how fast I'm getting damage. If I'm fighting say a boss who takes a long time to kill but is not doing a lot of damage, I'll wait till I'm in low red. If its a high level regular NPC that is hurting me fast but doesn't take long to kill I'll take it when I'm low yellow.
I have used my first pirate to heal my second when my 2nd was a wee pirate, but he doesn't need it now. I also stand near healing NPC's as much as possible.
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