What you're saying may be technically true. My issue is with the "if you need it" part. Unfortunately, I don't get to choose what I think I need. The compiler does.
For example, every beginning Swift programmer runs into "Protocol can only be used as a generic constraint because it has Self or associatedType requirements" [1]. You start by thinking, I'm going to write a simple little type!, and then 30 seconds later you're digging through the least-documented parts of the Swift manual trying to figure out if there's a simple fix for this. (There isn't.) It's not like Objective-C where you write an -isEqualTo:(id) method and call it a day.
This happens all over the place. Swift lambdas are weirder than Objective-C blocks. Swift errors are weirder than Objective-C exceptions. Swift strings are weirder than Objective-C strings. Ultimately, there is always a reason for the complexity (often: performance), but the upshot is that for any Swift feature I've wanted to use, I always had to learn a lot of extra details before I was able to use it.
I feel there are a lot of other languages which are both easier to read and write, and do a much better job at progressive disclosure.
Given that you've made the comparison to Objective-C, are you sure you're not just running up against the learning curve of a new language? There are cases where Swift is a bit stricter, and therefore it's harder to type code which will compile on the first try, but in many of those cases it's because the strictness is allowing you to avoid entire categories of runtime bugs, which would give a non-specific error in Objective-C given the dynamic nature of the language.
Swift came out at a time where UTF-8 was already the standard. They talked a lot of talk about grapheme clusters being the most accurate representation, and then failed to deliver a coherent API to back it up. Any chance that has changed?
FWIW it would probably be fairly easy to implement some String extensions which would give you the kind of API it sounds like you are looking for.