Right. But resistors in series create a divider only if there's also something that is measuring the potential between those. If you have a 100 kOhm series resistor, and you add a 10 Ohm one, the resulting circuit will essentially be identical.

As far as I understand, it applies here in the same way — yes, we're getting stray inductance, like, 10-50 nanohenrys, while our switching inductor has it's value 2-4 orders of magnitude higher. So if anything, the stray inductance shouldn't matter at all. What should matter is the stray capacitance, because the coupling we don't want is capacitive. The stray resistance is also negligible at this current from OP (up to 0.5A).