There has been good points so far, thanks everyone. However, perhaps, I need to tell bit more how I play, in order to get further suggestions, so this is going to be a long story; I am afraid.
I really like my own build, it can do devasting AoE damage and it works very well as it is for me. Even in HM entire mobs tend to die at the point I lauch chilling victory ( if everything has gone as should, not happen allways for some reason

). I though it's crappy skill in hm, but it seems to do it work ok. If everything goes well, I'll be doing most of the damage in team, so it might be possible to even lower the damage output of rest of the party, maybe.
What comes to paragons...I really like the old man ( Morgahn ) but as heroes they are really the tricky ones. They seems to weaken the team but are really hard to replace with. First of all, they have proper armor level and they do ranged damage and are capable of quite decent damage reduction and healing too, while having nice e-management build in. And as paragons are like they are, one paragon is less than one really, while 2 is a bit more than two so there's no point having only one and I can't see how I could fit third para in... it seems 2 para it is.
I really hate conditions and "It's just a Flesh wound" is really excellent ( best? ) skill for cond removal. Aria of Zeal and Aria of Restoration seems to be weak, but somehow they still makes a big difference in caster based team. "Go for the eyes" is kind of a must. Also "Fall back!" works much better on paragon due to higher command.
There are however 2 skill in motivation paragon I am not certain of. The one is Chorus of restoration - it have certain benefits, but only to the two paragons atm. Would it be wiser to drop it off or somehow increase shouts in party ( for example a earth shaker warrior with bunch of shouts like FGJ, Fear me, To The limit.. to get KD's in the party)? The other questionable skill is "They are on Fire". It's really nice skill to reduce damage taken but requires that foes are burning and really the reason why zhed is in and running the build he has. It's really quite good build to cause burning all over and frequent spamming of skills helps Zhed to stay alive quite well. While he's doing decent damage, I admit that he's the weak lenk in team.
The rits are good, in fact Xandra is maybe the most powerfull hero in my team atm,so it's hard to replaced them or improve their performance either. Except maybe Razah's, there might be some room for better skills.
The monks then... Tahlkora doesn't heal too much but has hex and cond removal and RoJ for damage. She's also keeping up SoH on me. Dunkoro... he has RoJ too and also pretty nice healing skills. Dwayna's kiss works great when cast on me as I have 3 to 5 enchantments on me all the time during battles ( well dust cloak is on really short period at time but anyway ). Maybe there's a way to combine these two and make room for something else, but will 1 RoJ be enough ? At least if I keep "They are on fire".....
The things I don't have yet and the ones I miss most ( many of these are suggested I should have ):
Necro:
Order of the Vampire ( or Order of Pain ), though do Ihave enough physicals for this ?
Blood Bond
Mark of pain
Mesmer:
Ancestor's Visage( yes really the most desired mesmer skill for me but only useable on relatively high illusion magic)
Shared Burden
Clumsiness / Signet of clumsiness
Psychic Distraction
Monk:
Unyielding Aura for superfast rez
Other than certain skills:
Deep wound : well one of paras can do this with Vicious Attack ?
Knock Down : ?
And about MM: I know MM necro is very powerfull addition to any team, but for certain reason I try to cope without one.
Also without MM necro and keeping in mind that my build tends to kill several foes at a time resto Necro may not be so effective either due to restrictions Soul reaping has. Soul reaping just can't benefit the kills to the fullest and there's no minions as battery either. Necros have Sols of course but even then... their e-management is not so superior compared to other choices, in this case.
So, what's the room left for impovements now?
Monks, the whole builds are open to suggestions. There's an option to move forward more supportive role there. Better healing/protting with melee buffs -> more damage to dealt by myself.
Paras, their key skills are "It's just a flesh wound", hex breaker aria, and Aria of zeal/restoration.Stunning strike can be replaced as long as Daze is there in some way.
Zhed, can be replaced or build altered. The monk skills he has now are really optional there - can be replaced with anything, though current ones are handy as they are quite usefull and unlinked. Or the whole build can be reworked. Though I have already tried ER orders and ER protter on him... as I prefer OotV over OoP I didn't like too much the orders version...