IMO, you can't make a "healthy scone" that bears any resemblance to a real scone.
If you use buttermilk instead of the sour cream and cut the raisins WAY down, it will have less fat and fewer calories. Here's a link to a simple one that works well for me: www.joyofbaking.com/SconesChocChip.html
I've never made it with chocolate chips or cherries, but I have made it plain; with blueberries (add lemon or orange zest and orange juice concentrate or extract for part of the liquid); and with almonds (add almond extract and blanched sliced almonds).
I say, if you're going to have a scone, have a scone. Enjoy one and freeze the rest or share with a friend!