Not sure about the 'insist' bit, but it generally makes a lot of sense to have your swap partition on a separate drive if possible. In most cases where the swap space is actually used, if it is on a separate drive to the OS you will get better performance.
Which happens approximately never? The pains that it adds to have swap on another drive are almost never worth it imo.
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Reject swap, embrace zram.
Unless you want to hibernate.
Ideally never, yes - if you have enough ram. You can make decent savings though with good use of swap if it is only occasionally needed.
