Tecmos speaks the truth. In most cases you won't have a problem getting the bard to take a few hits so that you can max the value of passive regen.
I have thought of forming a very odd group on this principle.
5 monks with fungi and one bard. I believe the group would have enough passive regen to sustain just fine without a healer. Look at the math...
A 3k hp tank getting CH is 7.5hp/mana. A cleric regens 21 mana/tick. That means cleric healing maxes at a sustained 157.5 hp/tick.
Iksar monk + Fungi + Bard will easily hit 50hp a tick. If you can spread the damage amongst 5 monks via FD that's up to 250hp/tick.
I think it would work
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