Heal and Non-Player Characters

By the book, NPCs (and most monsters) do not benefit from Reserve Points and therefore don't benefit from many applications of the Heal skill (though don't forget the option of using the 'Temporary Treatment' challenge for NPCs; their lack of a reserve pool makes this challenge always a net win for them). This discrepancy in healing is deliberate; it's an extension of the PCs tactical advantage in having reserve points at all.

By 'tactical advantage', I mean that a group of Iron Heroes can meet a monster and then retreat when both sides have lost 75% of their hit points. The PCs can then simply wait an hour, get as much as 60 hp back each from their reserve pools, and then go stomp a mud hole in the still-injured monster.

Of course, there is nothing to stop you from giving Reserve Points to your major villains, if you wish.