No, as I described that is not the case. Not every process running needs all the memory it allocated all the time. A GB or two can easily be swapped out from your browser, Networkmanager, file manager, email client, etcpp. swapping only becomes a problem if pressure is so high that you constantly swap in and out the same pages.
You can see this well from the kennel's proactive swapping. If I run a bog standard desktop Linux distro and leave swappiness at the default 60, after a few hours of normal usage where I don't even get close to filling up my RAM with actual memory allocations from processes, the kernel will have swapped out almost a GB of data from several background services. Because a lot of programs allocate some memory for something and then never look at it in a long time. So it makes more sense to swap that to disk and instead use that ram as page cache.
Also, with current NVMe speeds, swapping has become a lot more bearable. Really the only place where I can see why you wouldn't use swap is servers with a well defined, dedicated workload. Here I indeed want a fast and noticable fail mode in case a new version of whatever I'm running might have a memory leak, or just vastly different behavior regarding memory usage.