For my paladin, let's say level 18 running Ritual Sacrifice elite for bravery. My tactic is to run up to a mob or group of mobs and start swinging, casting CSW for 180 a pop as needed. (Mine are actually 215 thanks to 20% from gear via levik's bracers early and DT armor late, but the point about being ungeared is reasonable.) With no gear, that's 180 HP for 22 SP whenever you like, without breaking out of combat, and without any particularly special tactics required.
66 devotion (crafted trinket, can be made unbound for you)
80 paladin devotion IV
75 empower healing spell
221 spell power = *3.21
1.1 human improved recovery I
1.1 human improved recovery II
1.1 human improved recovery III
1.1 hunter of the dead I
1.1 hunter of the dead II
1.1 ship buff
31.5 Cure Serious base
*3.21 spell power
179 hit points for 22 spell points
Without any gear outside of a single crafted trinket that a) can be made for you, and b) I recommend everyone buy a single store-bought trinket because they are BTA, letting you pass that one trinket around to every new alt you roll up.
EDIT: The trinket approach is low; better would be Alchemist's Crown (but that's level 18 to farm) or better still, any weapon with a red slot with Devotion +72 slotted (AML16) which can be bought for cheapo gianthold relics you get at level 15, and that also gives implement bonus (likely +15) for 87 devotion from items. Cheap and easy for new players.