A Dex-based Monk is inviting death by using Heal in combat. In my recent playthrough of the OC as a Monk, every attempt to use Heal in combat meant I was going to be hit by every single attack launched against me that round, and that was usually a pretty big battering.
Now for a character who doesn't rely on DEX/Tumble/Dodge for a significant AC bonus, and/or a character who lets others handle the melee, healing kits can be great in combat.
I am thinking you miss main point I make. You right for solo using skill. But for party heal, skill always better for party.
If monk [or any class, no matter] want combat healing for other PC/NPC in party just need use stealth or invis pot b4 using skill for this use so never attacks vs. healer. Course vs True see NPC like dragon or self-buff caster.... healer needs UMD scroll or spell ready to use GS to hide so maybe build not have UMD or caster lvl with multi. That toon screwed vs Tru See foes and get attacked. Sure. Giving pot always break healer's hide plus AoOs from all flanking foe hurt party PC/NPC you force using pot.
If no hench ready to die or with bad dmg in OC then yah, use pot on self. You test for yourself if you don't believe but it always work this way any SP or server unless they nerf skill somehow and make like using pot. Maybe I don't tell this right but for helping party skill always best. NWN built mostly for AD&D party play so solo make own play rules.
Also, only AC get lost flatfoot, not reflex so still good vs. fireballs and most other evoc spells that maybe sent in against party you try to heal with skill.