Yeah this has been a bad plan since forever really. People keep turning off their swap for some reason. Not a good idea.
Many programs in Windows over-allocate RAM. Windows does not do like Linux and overcommit. If a program allocates 16 GB of RAM it is guaranteed access to 16 GB of RAM. It is only assigned physical RAM as it uses it and the rest is held in available in swap.
I really wouldn’t worry about your SSDs. Unless you make a habit of running out of RAM and going into swap storms it will use very little of it.
I have a Linux server with 32 GB of RAM and a 4 GB swap partition on a Samsung NVMe drive. The drive is 3 years old and claims 7% of its lifetime has been used up. I don’t think swap is an issue.
And my Windows desktop has an Optane drive and default Windows swap settings. Here’s the SSD Toolbox on it (you can see it’s about 20 terabytes in 2.5 years):