It depends on what you consider to be a swear word.
I knew the word 'paska' (shit) all my life, it was just a descriptive word used on the countryside. At some point I found out you shouldn't say it in a casual conversation.
I don't curse, that's just not the kind of language I was brought up with.
I knew what words like 'penis', 'vagina', 'whore', 'sex', or 'Hell' etc meant, and used them in conversation, though, when appropriate (such as when discussing reproductive biology or religion). My mom raised me with an atitude that those were just words, and I read plenty of literature with that kind of language.
As a kid, I tended to look down on cursing, because I was of the opinion that it showed a lack of imagination.
And to be honest, most people overuse them or think just adding a shitload of fucks makes something funny. It took time for me to come across writers/comedians who effectively used foul language in interesting and clever ways.
EDIT:
And generally, I dislike using pejoratives, because quite often they're kinda insinuating things about the person/subject that are either irrelevant or offensive to other things.
Words like 'gay' or '******' are obvious ones. If you're using either word to offend someone, you are insinuating it's bad to be gay or black.
Or words like 'fucker' or 'cocksucker'. What, there's something wrong with having sex or sucking cocks?
It's not something I'd complain about if other people use them (unless there's clear sexism/racism/homophobia/etc assosiated with it), but it makes me uncomfortable enough not to use words like that myself. Might just as well just call them out on the thing you're mad about.