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Either your character has reason to want to be healed during a fight or he doesn't.
If he does, he should be glad for it.
If he doesn't, he should tell the helpful paladin to blow off.
In my own experience I've never had someone be shy about telling me to go screw if they didn't like me healing them during a fight.
If they refuse, you now have an RP angle to run with.
That said, I'd be in favor of a flaw prevents you from accepting buffs or healing from anyone, if it doesn't exist. I know xenophobic has some aspects of that, but maybe have one that works across the board.
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