> Of what distro?
Of any distro. I have done such configs with Ubuntu, Debian, openSUSE, SLE, Fedora, CentOS, RHEL, Alpine, Arch, you name it.
> If you mean that the example code shows the swapfile directly under / , well of course you don't have to do it that way.
Point missed. If you have a swap file created by the installer then you do not get to specify where that swapfile is, in any distro I have seen in my 30 years of working with Linux and 38 years of Unix. (Not that swap files were common on Unix in the 20th century.)
If you specify a swap partition then you choose where it is.
> I think this is untrue on both counts. First, nobody is going to dedicate an entire physical device to swap,
Incorrect assumption. You inserted "entire device" but I did not say that. A swap partition is part of a device. The clue is there in the name.
All my Thinkpads, for example, have 2 SSDs and typically I put root on the faster SSD and /home and swap on the slower SSD (or HDD). I typically configure 4-8GB of swap even if the machine has 32GB or more of RAM -- I rarely hibernate these boxes, TBH. That is plenty. If you hibernate, swap should be at least as big as RAM, or maybe 10-20% bigger in case it's already swapping when you hibernate.
> If the device is "separate" (from what, / ?)
Yes. More or less all typical Unix-like OSes read and write a lot to and from root in use, and under load, from swap. So, put them on different physical drives and spread the load.
This has been standard practice since the 1960s!
> But also it's trivial to put a swapfile on whatever device you want. It can be anywhere reasonably sane in the filesystem, you just give it a path.
It's extra manual config. A partition is one box in the installer and done. Zero manual config.
> The file could go on whatever partition the distros can share.
Again, you miss the point.
1. Distros do not by default mount one another's partitions.
> Maybe put it under /home or something.
You can but suddenly permissions and ownership become issues.
> It's your system, the FHS is up to your own interpretation.
It is preferable to do this in the installer and not worry about interpreting anything.
> Why would that matter? You're expecting a file not to survive the low-power state?
Have you read the other comments?