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If i was you i'd drop Healing to GM and Chiv to 80.0 at most.
Above 80.0 Chiv is rather pointless because you have about a 100% Success Rate on the spells you're gonna use most.
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I beg to differ. In my Experience, 80 is a minimum skill to be useful in PvM - especially in a group.
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Holy Light is only really used by PvPers with 4 FC to disrupt a Mage's spell.
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Nope. People use it all the time in other situations. It's main use is in a place where there's a few big threats (heavy-hitting creatures, PKs, etc.) and a lot of tiny stuff, to clear the tiny stuff away while you fight the bigger thing. For example, to kill off a couple imps in the blood dungeon that have started harassing you, while trying to kill a paragon Balron with your weapon. Sure the imps only do a little damage, but if they get lucky with spells & melee at the same time the balron does, you're probably gonna be running back to the Spirituality Ankh.
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Noble Sacrifice is rarely ever warranted where a Bandy won't do the trick, especially considering Noble Sacrifice drops the caster to 1 Health/1 Stamina/1 Mana, a Mongbat could 1 hit kill you then. Only time i could think that Noble Sacrifice would be worth the risk is if you have an entire guild of dead people near you and there are no hostile monsters/players around, which is to say that circumstance almost never happens.
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You must never play with friends, do you? Noble Sacrifice is a lot more useful than that. I've rezzed as many as 8 people at once with it before, in Melisande and Travesty, deliberately taking the "hit" from the creatures (while running) to allow the rest of the party to regroup after the RNG bit us in the arse (the "feature" where you can get multiple spawns of the end "helpers", from the peerless dropping just below the trigger, reginning back above the trigger point, and getting hit again - one player unused to this can suddenly get a party surrounded by 30 ninjas in travesty).
Noble sacrifice + Knight of compassion brings back EVERYONE at 80% HP, which should allow at least a couple of them to survive (this is especially useful at a champ spawn, if you don't have anything on you worth looting). If you have enough LMC, you can precast close wounds (or already have a bandage going, but bandage harder to time), noble sacrifice, and be able to hit yourself with the close wounds in less than 2 seconds. Done right, it's not hardly the risk people think. In fact, I've about never done a noble sacrifice in a non-combat situation, unless it was the character's only means of ressing. I've even noble sacrificed in doom while fighting a Dark Father, and LIVED (even without a cross-healing partner - with cross-healing, the DF has to get really lucky and hit you the one tick you are at 1 hp).
I think 90 is a better maximum skill for chivalry than 80, for these reasons.
Couple other tricks you might not be aware of...
1. if poisoned, start a bandage and spam cleanse by fire on yourself. The spell's fast enough that if you successfully cure the poison, the bandage will kick in as healing instead of curing. Sometimes, if you get poisoned after you use a bandage, you can even start and complete the spell in time to save the healing from the bandage from being converted to cure.
2. Remove curse removes mortal strike; not as big a deal with someone with GM resist, but used on yourself or on someone being cross-healed (even on some pets), it can seriously improve survival chances - and doesn't have the limitations that the fruit does, in terms of use, weight and vulnerability to being looted.
