Yes, you can use the present continuous in this way even when the subject is not currently doing the action. #2 is an excellent example. If you say "She's swimming every morning" to someone in the afternoon, the listener will understand that "she" is not currently swimming.
I don't think #4 is a good example. It would need more context to show that the behavior is a habit.
Remember, the rest of the sentence matters too.The continuous tense refers to a state of being. If I say "She's swimming", it means she's currently in a state where she swims. If I say "She's swimming every morning", it means she's currently in a state where she swims every morning.
Here's an example that might be easier to understand. This shows a change of state.
She used to swim three days a week, but now she's swimming every morning.
In a shorter sentence, you can emphasize a change of state by adding "now" to the end of the sentence.
She's swimming every morning now.
This doesn't mean she's swimming when I speak. It means she used to not swim every morning, but now she does.