I’m pretty sure that the only disadvantage of “too much swap” is to use up more disk space than absolutely necessary. It’s one reason it would be preferable to have several modest-sized swapfiles - one can swapoff and remove them progressively, if there’s a need to recover the disk space. Also, I think linux does a reasonable job of using them progressively:
NAME TYPE SIZE USED PRIO
/var/local/swap/swapfile.1 file 1024M 863.6M -2
/var/local/swap/swapfile.0 file 1024M 4.6M -3
The situation we find ourselves in is that cheap instances are quite limited in both RAM and disk space, and Discourse uses ever more, as the very many packages within it evolve. But still, I think there are ways to navigate this wisely, to help those who are not in a position to just throw up their hands and double or quadruple their monthly bill.