I don't think you're missing anything.
It certainly doesn't always mean the same thing. But in that particular case, the person Alice is talking with would have the benefit of the same information either way: knowledge of his swimming habits.
Yes. But there is a difference in what we mean by 'meaning'. The difference between your Burnsville sentences is
aspect. The informational content is the same in both sentences, but the way that the speaker conceives of her actions in relation to the time frame within which they happen is different. I usually call that a difference in meaning because I think of meaning as a product of the thought in the speaker's mind rather than some analytical property of a given sentence. Many of the members on the forum have different ideas of what meaning is, which in my judgement often leads to seeming that we disagree. Rather it's just that we're using different ways and different terms to explain things.
My sister has been living in Burnsville for ten years.
Does she live there now? Yes. Did she live there yesterday? Yes. Did she live there ten years ago? Yes. Has she been there for a period of ten years? Yes.
Well, those are all assumptions based on how you imagine the situation to be, but you might also imagine a context where all three answers are no. The idea I want to get across to Alice Chu is that there is nothing
in the tense itself (present perfect continuous) that says anything at all about what is happening now or what will happen in the future. That kind of knowledge comes not from the tense/aspect but from elsewhere. I think if Alice can grasp this key point, it will help her gain a deeper understanding of the uses of different aspects, which is exactly what she's trying to do, apparently.
At the moment, Alice, your equation of present perfect continuous = 'happening now' is holding you back, in my professional opinion. I'm speaking here as someone whose day job is to help teachers understand things like tense/aspect in order that they may teach learners how to use it more effectively.