Check out this character made by Kromm from a week ago:
https://forums.sjgames.com/showthread.php?t=171601
Radiana is a specialized healer that, while not built on only 98 points, is also clearly focused on healing and not fighting, maximized for running away from threats and healing at a distance, not unlike AlexanderHowl's original build. In the follow-up post, Kromm notes that Radiana plans to get Major Healing (which she has at 20 to start) up to level 40, if the GM will allow it.
I wouldn't want to play a 98 point character in a dungeon crawl, either. But specializing in healing obviously isn't a bad idea. And skill levels in DF are clearly meant to be in the "mythic" territory.