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That is a cup-half-full, cup-half-empty debate. A 15% loss is still 85% efficiency, which is still quite high.
And convenience does come at a cost.
At the charging rates we were discussing earlier, 85% efficiency means 36,000 watts of additional heat being generated right under the battery pack. I'm sure that will have no effect on longevity. It would require 11 tons of cooling to offset this.
Rather than swapping, I think using a wireless, inductive charger is a better idea if you don't want to plug in. Wireless chargers could even be installed in the roadbed of major roadways / highways to charge as you go.
LOL - can’t imagine a) how slow that would be, and b) if on roads themselves, the cost would be ludicrous.