For the record, a <t> macro will not self-target if no target is selected, but a macro with no target specified (e.g. /ac Cure) will self-target. For this reason, a <t> macro is nice for benediction, so when the tank dies before it goes off, it doesn't waste it on a self heal.

Personally, I generally don't macro heals, but I do macro all my attacks as healer so I can keep the tank targeted and attack without switching. I find the faster reaction time on healing and mental bandwidth saved not switching targets to be very valuable.

I do use more macros on SCH than WHM, and that is mostly to control the faerie. I have Embrace macro'd on with Physick and Adlo because the faerie won't start casting Embrace if the target is above 80%. The macros help keep her efficiency (and hence my total healing output) up. I also use other macros for faerie control and for saving space (as a PS4 player, I have a limited number of readily accessible slots).