I'm not sure what you mean by "two from your first class and one from the Monk". The way I read the card, you have Monk + Healer, not Monk + Healer + Scout. That is, (let's say your chosen healer class is Disciple) you have access to your Monk cards (including a 0,1,2,3 XP) and your Disciple cards (but only the 0,1, and 2 XP). Your ONLY available 3 XP card is the Monk card.
Speaking of the Monk/Disciple combo in reference to your second question, I'm imagining Openhanded+Divine fury for a blue/yellow barehanded attack.
I read in the same way
Edited by kraisto