Like a highway brake failure ramp, you have room for handling failures gentler. So services don't just get outright killed. If you monitor your swap usage, any usage of swap gives you early warning that your services require more memory already.

Gives you some time to upgrade, or tune services before it goes ka-boom.

Because some portion of the RAM used by your daemons isn't actually being accessed, and using that RAM to store file cache is actually a better use than storing idle memory. The old rule about "as much swap as main memory" definitely doesn't hold any more, but a few GB to store unneeded wired memory to dedicate more room to file cache is still useful.

As a small example from a default Ubuntu installation, "unattended-upgrades" is holding 22MB of RSS, and will not impact system performance at all if it spends next week swapped out. Bigger examples can be found in monolithic services where you don't use some of the features but still have to wire them into RAM. You can page those inactive sections of the individual process into swap, and never notice.