Delaying also means that you are burning cash with zero income. You can only borrow money on worse and worse terms, and if there is an actual prime rate hike whoa boy are you pooched.
My brother had a screen that would occasionally reboot with fullscreen video, but not if you kept some window decoration onscreen. There must’ve been some degree of (you can not turn it off) image processing that would shit itself. Maybe it was local dimming related.
Everything is filled with software, and a lot of it is hot garbage.
I don’t see how swap has much chance to fragment. A swapfile has to be fully allocated up front and cannot be CoW. If it’s allocated well in the first place, it will stay that way.
The swap code doesn’t really do I/O through the filesystem. AIUI, it locks the file, gets the disk block #s from the FS, and after that it accesses those blocks directly.