I'm with you on the rest, but I find this one dramatically exaggerated by a certain type of person. If you're paying by card, the server is going to be around, waiting for you to finish so they can give you a copy of the receipt.
I find that there is a certain type of person will always describe this as "looming" or "guilted" or feel "social pressure".
Your feelings are legitimate, but the logic behind them is not. While there is definitely pressure to tip (and tip more and more), I've never met a server who would actually act in any way outwardly disappointed by 1) tip of 15%, 2) no tip on takeout, 3) no tip on counter service.
While some people will say "you SHOULD tip 20%" (or more), the actual staff will consider anything beyond the old standard bonus.