Superb card. Often enough you'dd play the 4-xp version to negate 2 horror and this version here does just that, for less XP! I wouldn't be hesitant to claim "I've had worse…" the better card of the two.
"I've had worse…" negates 2 points of pain and rewards you 2 resources for it, each of these effects is'nt by any means a powerful effect on its own, but the two combined effects are greater than the sum of their part. Cards are a precious resource and when cards arise that double dip roles those cards warrant special attention. Taking damage is a bit of an art-form, and characters gotta be good at it, this requires some soaks and weapons to mitigate and prevent incoming pain, "I've had worse…" does the former and helps you pay for the latter.
Most characters already give consideration to "I've had worse…", the 2xp variant is going to be hard not to justify.
Off class characters should also take note, Diana Stanley in particular loves the cancel trigger. "Skids" O'Toole has problems and "I've had worse…" can be a hugely helpful influx of cash and survivability for him. William Yorick does not care, at all. Joe Diamond likes it so/so, he has higher priorities but "I've had worse…" is not a terrible way for him to conserve deckspace.
"I've had worse…" is one of those rare cards that are near universally good, only niche characters who have overabundant survivability won't consider it.