Just as you pointed out with your reels, you will never know until someone shows you or you try for yourself.
Your assumptions about "ultra realistic swimbaits" are just that. Until you have used one or seen it applied properly, you are just grasping at straws as to whether or not a generic minnow bait will produce just as well.
I'll concede that in some situations, you are absolutely correct in that they will eat whatever is in front of them. However, the days where they are in lockdown or in less than ideal conditions, you will see a difference. I've seen it. Others have too.