If you sweat more, then the ammonia will react very quickly with chlorine in the pool to form monochloramine. That is more dependent on how much ammonia/sweat you have than the chlorine level in the pool though once you get out the FC level will determine the capacity for how much will still react if you continue to sweat. If you rinse off with tap water then that will reduce the amount of continued reaction assuming the tap water FC is lower than that of the pool water (and note that some tap water has monochloramine and not chlorine).

With an SWG, you can probably have your FC at 4 ppm and be fine in terms of preventing algae growth. That will be somewhat less chlorine to react with your sweat when you get out of the pool.

Note that the chloramine smell is different than the "fresh chlorine bleach" smell you might notice if you churn up the water in the pool itself. That smell of hypochlorous acid has an intensity proportional to the FC/CYA ratio. If you wanted to get to a lower FC/CYA ratio (which at a constant CYA would also be a lower FC level), then you'd need to use supplemental measures such as phosphate removers that obviously are extra cost.