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That's a rather big misstatement: most lower income people (most people in general actually) won't be investing post-tax, a 1099-DIV really is quite uncommon

It's still a shitty and stupid situation... but that doesn't mean it's relevant for most free filers.

You should be able to skip the foreign tax credit if you manually enter the 1099-DIV: simply enter foreign taxes paid field on the 1099-DIV as 0, and your tax software won't offer to credit it.

Growth/income in the Roth IRA is also tax-free (there'd be no point in the Roth otherwise).

I'm confused. Income in an IRA isn't taxed, so that's not relevant for taxes. If you had post-tax investments then yes it's more complicated, but that has nothing to do with IRA/401k retirement savings?

8% in Switzerland.