Its like, clerics need c2 cleric because your role is a semi healer or partial healer, just bcuz u have 1 circle of cleric automatically makes u a percentage of a healer, depending on your build you can be 5% healer 95% DPS. because of that, you are expexcted to heal, your are however NOT fully expected to support, thats just a bonus. so, with that said, heal 5 is terrible, it can hold a strong party though, heal 10 is much better. nobody really launches at your thought for not going c2 cleric, as long as you cna keep the party alive (except other clerics, other clerics will shit on you if you dont go c2 cleric lol). but unfortunately, its kind of impossible to keep a party going with only heal lvl 5, which is why heal 10 is basically a requirement.
now for pelt, swordsmen arent even all supposed to be tanks lol, a swordman should be able to build what he wants, im sure imc ddidnt make all swordsmen tanks, its just the players want a tank, so all swordsmen now have to take pelt.
and for the lables ( THE healer" , “THE tank”) just ignore those, your only called the healer bcuz u have a heal, if you go a dps cleric you can do some amazing dmg but still be labeled the healer bcuz u can heal.