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"Nice" is also highly situational... they're nice because they can literally afford to be.

Yes indeed. The swedish monarchy still doesn't need to account for how they spend their "appanage", i.e. tax payers' money.

And they still get this money even though they are wealthy enough to not rely on state subsidies.

The king has no powers, practically speaking. It's a monarchy in name only.

Does the king work, rely on inherited wealth, or receive money through taxes?

In what way is a monarch's taxes different from someone receiving rental income from inherited property?

Yes, it's a monarchy, but the king has no real power. Thus this is not a good argument as to why Norway is not a proper democracy.