The best application for a snap swivel is spoon or slab fishing for white bass.
For years, I’d never use a snap on anything other than wiggle warts.
Then I got some heavy duty saltwater cross lock snaps for big swimbaits, then started using them on 10XDs, and now all crankbaits.
I think you are just fine using a heavy duty cross lock snap on lipless cranks, I just don’t trust the swivel component on snap swivels.
The size 3 cross lock snaps at Barlow’s are all you need. I believe they are rated for 120lbs or so. Be sure to change them out after a while. The snap component does get weaker every time you open it to change lures.