Here is my Old WHM XML. For my more current version see Yonko's WHM XML V2 Leaving this one since the new version is a fairly big change. Most of the rules are in there only more things I can think of always triggering my medicine ring which I currently don't have the gear to do and maybe some /sch things which I don't have leveled currently.
reformated my xml to use a big if/elseif chain based on skill type which I've found makes it much more readable and cleaner looking. Also removed the comments.
added a bunch of code that should make all the tiers of spells work under level cap effects.
Fixed an issue I found where sneak was under the protect/shell if so the code to cancel sneak was never getting run.
<?xml version="1.0" ?>
<spellcast>
<config
Debug="false"
RequireVersion="2.20"
HideErrors="false"
ShowSpellInfo="false"
ShowGearSwaps="false"
/>
<variables clear="true">
<var name="TellLS">0</var>
</variables>
<sets>
<group default="yes" name="WHM">
<set name="Fast Cast">
<feet>Rostrum Pumps</feet>
</set>
<set name="Resting Gear" BaseSet="Standard">
<main>Dark Staff</main>
<body>Errant Hpl.</body>
<waist>Hierarch belt</waist>
</set>
<set name="Healing Gear" BaseSet="Nobles">
<main>Light Staff</main>
</set>
<set name="Nobles">
<body>Noble's Tunic</body>
</set>
<set name="Haste Gear">
<head>Walahra Turban</head>
<hands>Blessed Mitts</hands>
<legs>Blessed Trousers</legs>
<feet>Blessed Pumps</feet>
</set>
<set name="Standard" >
<main>Earth Staff</main>
<sub>Lizard Strap +1</sub>
<ammo>Fortune Egg</ammo>
<head>Walahra Turban</head>
<neck>Ajari Necklace</neck>
<lear>Enhancing Earring</lear>
<rear>Bat Earring</rear>
<body>Noble's Tunic</body>
<hands>Blessed Mitts</hands>
<lring>Electrum Ring</lring>
<rring>Electrum Ring</rring>
<back>Blue Cape</back>
<waist>Hierarch belt</waist>
<legs>Blessed Trousers</legs>
<feet>Blessed Pumps</feet>
</set>
<set name="Banish Gear" Baseset="MND Gear">
<main>Light Staff</main>
</set>
<set name="MND Gear">
<legs>Blessed Trousers</legs>
<body>Errant Hpl.</body>
<neck>Ajari Necklace</neck>
<hands>Blessed Mitts</hands>
<feet>Blessed Pumps</feet>
</set>
<set name="Engaged" Baseset="Haste Gear">
<body>Reverend mail</body>
</set>
<set name="Hexa" Baseset="Engaged">
<head>Optical Hat</head>
<neck>Chivalrous Chain</neck>
<hands>Hlr. Mitts +1</hands>
<feet>Savage Gaiters</feet>
</set>
</group>
<group name="WHM-Melee" inherit="WHM">
<set name="Resting Gear">
<main/>
<sub/>
</set>
<set name="Healing Gear" BaseSet="Nobles">
<main/>
</set>
<set name="Standard" >
<main/>
<sub/>
</set>
<set name="Banish Gear" BaseSet="MND Gear">
<main/>
</set>
<set name="Engaged" Baseset="Haste Gear">
<neck>Chivalrous Chain</neck>
<lear>Coral Earring</lear>
<rear>Coral Earring</rear>
<lring>Sniper's Ring</lring>
<rring>Rajas Ring</rring>
<back>Ryl. Army Mantle</back>
<waist>Life belt</waist>
</set>
</group>
<group name="WHM-NIN" inherit="WHM-Melee">
<set name="Standard" >
<main>Morgenstern</main>
<sub>Prudence Rod</sub>
</set>
<set name="Engaged">
<ammo>Virtue Stone</ammo>
<rear>Suppanomimi</rear>
</set>
</group>
<group name="WHM-NIN-acc" inherit="WHM-NIN">
<set name="Engaged">
<head>Optical Hat</head>
</set>
</group>
<group name="WHM-Melee-acc" inherit="WHM-Melee">
<set name="Engaged">
<head>Optical Hat</head>
</set>
</group>
</sets>
<rules>
<action type="equip" when="precast" set="Fast Cast"/>
<action type="equip" when="midcast" set="Haste Gear" />
<if spell="autoset">
<action type="equip" when="resting" set="Resting Gear" />
<action type="equip" when="idle" set="Standard" />
<action type="equip" when="engaged" set="Engaged" />
<if MPPLT ="50">
<action type="equip" when="engaged" set="Nobles" />
</if>
</if>
<if status="Engaged">
<action type="equip" when="precast|midcast|aftercast">
<main lock="t" />
<sub lock="t" />
</action>
<action type="equip" when="aftercast" set="Engaged"/>
<if MPPAftercastLT="50">
<action type="equip" when="aftercast" set="Nobles"/>
</if>
<if spell="Hexa*|Black Halo">
<action type="Equip" when="precast|midcast" Set="Hexa"/>
</if>
</if>
<elseif notstatus="Engaged">
<action type="equip" when="aftercast" set="Standard"/>
</elseif>
<if skill="HealingMagic">
<if spell="cure*|cura*">
<if spell="cure*">
<if Spell="Cure IV">
<if MLvlGT="61" notMPLT="135">
<action type="ChangeSpell" Spell="Cure V" />
</if>
<elseif mode="or" MLvlLT="41" MPLT="88">
<action type="ChangeSpell" Spell="Cure III" />
</elseif>
</if>
<if Spell="Cure V">
<if mode="or" MLvlLT="61" MPLT="135">
<action type="ChangeSpell" Spell="Cure III" />
</if>
</if>
<if Spell="Cure III">
<if mode="or" MLvlLT="24" MPLT="46">
<action type="ChangeSpell" Spell="Cure II" />
</if>
</if>
<if Spell="Cure II">
<if MPLT="24">
<if MLvlGT="24">
<action type="CancelSpell" />
</if>
<else>
<action type="ChangeSpell" Spell="Cure" />
</else>
</if>
<elseif MLvlLT="11">
<action type="ChangeSpell" Spell="Cure" />
</elseif>
</if>
</if>
<elseif spell="cura*">
<if spell="Curaga IV">
<if mode="or" MLvlLT="71" MPLT="260">
<action type="ChangeSpell" Spell="Curaga III" />
</if>
</if>
<if spell="Curaga III">
<if mode="or" MLvlLT="51" MPLT="180">
<action type="ChangeSpell" Spell="Curaga II" />
</if>
</if>
<if spell="Curaga II">
<if mode="or" MLvlLT="31" MPLT="120">
<action type="ChangeSpell" Spell="Curaga" />
</if>
</if>
<if spell="Curaga">
<if MPLT="60">
<action type="CancelSpell" />
</if>
</if>
</elseif>
<action type="Equip" when="midcast" Set="Healing Gear"/>
<if HPPLT="76">
<action type="Equip" when="midcast">
<lring>Medicine Ring</lring>
</action>
</if>
</if>
<elseif spell="Raise*">
<if advanced='"TellLS" == "1"'>
<action type="command" when="midcast">input /l Casting %spell on %SpellTarget </action>
</if>
<else>
<action type="command" when="midcast">input /p Casting %spell on %SpellTarget </action>
</else>
<if spell="Raise III">
<if MLvlLT="70">
<action type="ChangeSpell" Spell="Raise II" />
</if>
</if>
<if spell="Raise II">
<if MLvlLT="56">
<action type="ChangeSpell" Spell="Raise" />
</if>
</if>
</elseif>
<elseif spell="Reraise*">
<if BuffActive="Reraise">
<action type="midcastdelay" delay="5" />
<action type="Command" when="midcast">cancel 113</action>
</if>
<if spell="Reraise III">
<if MLvlLT="75">
<action type="ChangeSpell" Spell="Reraise II" />
</if>
</if>
<if spell="Reraise II">
<if MLvlLT="60">
<action type="ChangeSpell" Spell="Reraise" />
</if>
</if>
</elseif>
<if Element="Light" notspell="*Raise*">
<if mode="or" Weather="Light*" Day="Lightsday">
<action type="equip" when="midcast">
<waist>Korin Obi</waist>
</action>
</if>
</if>
</if>
<elseif skill="DivineMagic">
<if Spell="Banish*|Holy">
<if spell="Banish*">
<if spell="Banishga*">
<if spell="Banishga II">
<if MLvlLT="40">
<action type="ChangeSpell" Spell="Banishga" />
</if>
</if>
</if>
<elseif notspell="Banishga*">
<if spell="Banish III">
<if MLvlLT="65">
<action type="ChangeSpell" Spell="Banish II" />
</if>
</if>
<if spell="Banish II">
<if MLvlLT="30">
<action type="ChangeSpell" Spell="Banish" />
</if>
</if>
</elseif>
</if>
<action type="Equip" when="Midcast" Set="Banish Gear"/>
</if>
<elseif spell="Repose">
<if MLvlLT="48">
<action type="CancelSpell" />
</if>
<else>
<action type="Equip" when="Midcast" Set="Banish Gear"/>
<action type="command" when="midcast">input /echo Casting %spell on %SpellTarget </action>
<action type="command" when="aftercast">spellcast var inc sleepid;wait 45;input /echo [$sleepid:%spell] <%Target> Wearing off in 45s</action>
<action type="command" when="aftercast">wait 75;input /echo [$sleepid:%spell] <%Target>Wearing off in 15s</action>
<action type="command" when="aftercast">wait 85;input /echo [$sleepid:%spell] <%Target>Wearing off in 5s;spellcast var dec sleepid;</action>
</else>
</elseif>
<if Element="Light">
<if mode="or" Weather="Light*" Day="Lightsday">
<action type="equip" when="midcast">
<waist>Korin Obi</waist>
</action>
</if>
</if>
<action type="equip" when="precast|midcast">
<legs>Healer's Pantaloons</legs>
<hands>Hlr. Mitts +1</hands>
</action>
</elseif>
<elseif skill="EnhancingMagic">
<if spell="Regen*">
<if spell="Regen III">
<if MLvlLT="66">
<action type="ChangeSpell" Spell="Regen II" />
</if>
</if>
<elseif spell="Regen II">
<if MLvlLT="44">
<action type="ChangeSpell" Spell="Regen" />
</if>
</elseif>
</if>
<elseif spell="Protect*|Shell*">
<if spell="Protect*">
<if spell="Protectra*">
<if spell="Protectra V">
<if MLvlLT="75">
<action type="ChangeSpell" Spell="Protectra IV" />
</if>
</if>
<if spell="Protectra IV">
<if MLvlLT="63">
<action type="ChangeSpell" Spell="Protectra III" />
</if>
</if>
<if spell="Protectra III">
<if MLvlLT="47">
<action type="ChangeSpell" Spell="Protectra II" />
</if>
</if>
<if spell="Protectra II">
<if MLvlLT="27">
<action type="ChangeSpell" Spell="Protectra" />
</if>
</if>
</if>
<elseif notspell="Protectra*">
<if spell="Protect IV">
<if MLvlLT="63">
<action type="ChangeSpell" Spell="Protect III" />
</if>
</if>
<if spell="Protect III">
<if MLvlLT="47">
<action type="ChangeSpell" Spell="Protect II" />
</if>
</if>
<if spell="Protect II">
<if MLvlLT="27">
<action type="ChangeSpell" Spell="Protect" />
</if>
</if>
</elseif>
</if>
<elseif spell="Shell*">
<if spell="Shellra*">
<if spell="Shellra V">
<if MLvlLT="75">
<action type="ChangeSpell" Spell="Shellra IV" />
</if>
</if>
<if spell="Shellra IV">
<if MLvlLT="68">
<action type="ChangeSpell" Spell="Shellra III" />
</if>
</if>
<if spell="Shellra III">
<if MLvlLT="57">
<action type="ChangeSpell" Spell="Shellra II" />
</if>
</if>
<if spell="Shellra II">
<if MLvlLT="37">
<action type="ChangeSpell" Spell="Shellra" />
</if>
</if>
</if>
<elseif notspell="Shellra*">
<if spell="Shell IV">
<if MLvlLT="68">
<action type="ChangeSpell" Spell="Shell III" />
</if>
</if>
<if spell="Shell III">
<if MLvlLT="57">
<action type="ChangeSpell" Spell="Shell II" />
</if>
</if>
<if spell="Shell II">
<if MLvlLT="37">
<action type="ChangeSpell" Spell="Shell" />
</if>
</if>
</elseif>
</elseif>
</elseif>
<elseif spell="Sneak">
<if BuffActive="Sneak" TargetType="self">
<action type="midcastdelay" delay="2.5" />
<action type="Command" when="midcast">cancel 71</action>
</if>
</elseif>
<elseif spell="Stoneskin">
<action type="Equip" when="Midcast" Set="MND Gear"/>
<if BuffActive="Stoneskin">
<action type="midcastdelay" delay="4" />
<action type="Command" when="midcast">cancel 37</action>
</if>
</elseif>
<elseif Spell="Bar*">
<action type="equip" when="precast|midcast" Set="MND Gear">
<legs>Cleric's Pantaloons</legs>
</action>
</elseif>
<elseif Spell="Teleport*|Recall*|Escape">
<action type="command" when="midcast">input /p Casting %spell</action>
<action type="command" when="aftercast">input /p and away we go.</action>
</elseif>
</elseif>
<elseif skill="EnfeeblingMagic">
<if type="WhiteMagic">
<action type="equip" when="midcast" Set="MND Gear"/>
</if>
<action type="equip" when="midcast">
<body>Healer's briault</body>
</action>
</elseif>
</rules>
</spellcast>