Lmao no I'm not overthinking nor at a disadvantage if anything you're hindering a pull by using clemency regularly in group content, so, you spamming clemency while the healer is already healing you so now there is most likely over heal (wasted dps potential), healer is now on less mp, you're delaying mobs dying so your CDs run out, and now taking more dmg instead of killing the mobs...clemency is a prog tool nothing more.
Honestly it is insulting to healers when you clemency, let them do their job and heal, if you drop below half hp so what, the healer is allowed to maximise their own dps, while also having a load of oGCD heals when needed, which you'll waste because you can't trust your healer. Further you are really not doing your healer any favours, how is a healer supposed to learn to time their CDs if you're too busy doing their job for them.