I'd agree with you, if death felt like a set back. If it takes less time to respawn then it does waiting to get healed i'm just gonna let myself die every time and come back with full health/armor/ammo. If you have a tac waiting to be healed feels like a waste of time if it takes too long, and even without a tac running back from bunks might be better then waiting since you get armor/ammo back as well.
I will never wait to get healed if healing takes too long, its more fun objectively to just die and respawn. Even if thats not what players should do, its what they will do. I think healing/health/respawn/ammo needs to be looked at as a whole to make it feel punishing, but not overbearing, if we want a more realistic meaningful approach to combat. Just nerfing/buffing medkit isn't the answer.