Don't use medica 2 in 4 mans. Ever. As for 'have you ever raised while a mob is wailing on you?' Yes. Regen, Divine Benison, Sure Cast, res. Or swiftcast res. Or don't let the tank die while you have infinite MP as a WHM.
The other two have even easier healing thanks to Adlo/Aspected Benefic. Why healers are so afraid to use their mp and only cast physick (the worst healing spell in the game) is beyond me. I think it's more l2p, especially if people are dumb enough to say Physick heals more than Adloquium