Between CM's Cleric, Peter's Cleric, and my Favored Soul, we will always have a healer. So don't worry about that. My Arcane is also a Warforged, and self-heals, freeing up who ever has healing duty from dealing with it.
I do not recommend splashing two levels of Cleric (or any caster). Instead, put skill points into Use Magical Device on your Rogue. They have both the skill points, and have it as a class skill (so no half ranks) and can self heal pretty reliably once it's up enough. IIRC you need UMD at 20 to use a CLW wand. Doable by level 3-4, depending on equipment.
Splashing a caster leaves you with a handful of very weak spells (basically only a few buffs remain remotely viable at end game), losses your class capstone, and weakens your main class. Since any class can get enough UMD to wand whip at least Cure Critical Wounds, most able to hit Heal Scrolls as well, this is pointless.
The thing for free to play accounts to do is to grind for favor. That means doing every quest on elite, and running one character on each server up to 100 favor. That can get you enough points to buy a pack that's on sale (which has the bonus of making you a premium account, with more auction house slots, and 2 more character slots). Also, at different levels of favor, you unlock certain things on each server. Like Drow, Favored Souls, and so forth.
Since Favor is irrespective of character level, you can take your level 4 Fighter in with anyone in the guild to a level 1 quest and handle it.