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How it currently works, changes on hold pending further thought:
When unconscious, that counts as resting but will only heal wounds until consious at the rate of 1 hit die per hour.
Otherwise, 1 hit die per hour when resting. Riding on a cart can be considered resting for this purpose.
When resting you can add one hit die to HP or MP per hour rested.
The issue with not allowing healing when resting is back to the old days of D&D where you would spend days resting and casting healing spells or taking potions which just made it feel tacked on. So I won't require tending other than with critical hits.
Bear was critically hit while escaping the feywild and he now has a scar on his left hand.
After a severity roll, it was determined to be minor so he will have pain for 4 days, removing 1 from the apathy bank each day unless countered by something positive.
The scar will remain until it is magically removed.