Most switch debouncing calculators assume a circuit like this (1). Looks like a recipe for destroying a switch. The cap will short to ground and immediately dump all its current into the switch, potentially creating an arc and burning the switch over time.
I've seen better diagrams with a resistor between the cap and the switch (2), but none of the online calculators assume such a circuit.
There's also a version with the switch in between two resistors (3). In that case, the recharge time IS affected by the second resistor. It supposedly keeps a minimum current flowing through the switch to prevent corrosion. Doesn't sound like something that would seriously affect a momentary switch, which is what I'm using for my application.
I'm sitting here and running a mental SPICE simulation on these to decide on which one's best.