If you are not using more memory than amount of your physical memory, then your swap file is not used at all. In that case it does not matter. If your swappiness=0.
I would say that if your applications are randomly using swap (exceeding amount of physical memory from time to time), it really do not matter. For example compiling software (in continuous integration machine, several builds per day) uses disk pretty heavily, and so far there hasn't been any problems.