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Your second link for swiftkey is broken but I see what you mean. I think it's a limitation of the stock keyboard. With the newer models like the Note 9 and S10s they instituted software to make one-handed use easier. I think that's what is happening here is that because of the software, it makes this huge gap at the bottom. If it's fixed through a 3rd party keyboard I honestly recommend using one and I'll put in a feature request for the stock keyboard.
Thank you for providing an image for this concern. Are you able to change the settings for the Keyboard to remove this? You can find more information on changing the Navigation bar here.
Thanks, have you tried changing the keyboard size while the keyboard is up? To do so, you press the three dots pictured and the menu pops up, the when you click on modes, the key board sizing button appears.
@user4930mP9LqC honestly I think this may be slightly intended. It is the same for me, I just don't use the Samsung keyboard so I never really noticed it. It seems it may be there so you don't accidentally swipe letters or symbols when using gesture navigation.