True for now we're always just a swap away from sending in whatever to whoever, the problem is always the reverse, if I take only XMR and you want to swap in pay using BTC, your coins can be immediately frozen at the swap level, but XMR users are always safe from this so taking XMR directly is more for the signal or if you want to hold XMR yourself because otherwise it is only strictly necessary if this swap bridge is closed but if the merchant is lightning only there's very little liquidity for swaps so this option is not always reliable in that case