I have read through this whole thread... I don't know what you mean by that.
My reasoning for suggesting such a huge price is simple. It's a real sacrifice, you're not gonna be able to just come up with that every time a cheesemaker stubs his toe, or even gets his leg ripped off. But it's also not so unreasonable that you'd never use it. A fully trained warrior is a huge time investment(especially if danger rooms are nerfed out). 1 million dwarfbucks is a ton, but I think I would trade it to keep my best warrior alive. But if that's excessive, it can be modified, it's hard to say for sure.
I'm just opposed to making healing magic easy or cheap. People seem to be talking like all you have to do is balance it so surgery isn't useless. I disagree, I think even if it's riskier than surgery, you'd still always use it when there's no alternative. What's now a dead or permanently crippled dwarf could potentially be a fully recovered, or possibly infected/mutated dwarf. That's no loss, it's better than you have now. Instead of a 100% useless dwarf, you have a 50/50 chance (or whatever your odds would be) of a useful dwarf, where there was no chance before.
So inherent risk to healing magic is not in and of itself a balance. A giant cost (especially if it adds a chance of invasion) is a good balancer. And it seems to fit the theme of DF, where having more money and power attracts greater enemies. I'm also trying to avoid a common problem, where it starts off hard to get, but once you get over the hump, it just makes the game even easier. In my opinion, this means healing magic is suitably rare, without being impossible, random, or annoying. I want to add options, not make the game easier.
Obviously, this is just a suggestion thread, but I do take a little offense at having my idea called idiotic, or suggesting that I haven't even read the posts in the thread... I'm just contributing ideas, like everyone else here.