Can anyone else verify that the amount changes when you enter your address? If verified, this seems pretty scummy to me, but it's possible I'm missing something.
Yes, there seems to be some fixed fee, in addition to the exchange fee, that applies when you enter the destination address. You can easily verify this when you try to exchange BTC for WBTC, which should essentially be 1:1

Fee: 0.00213035 BTC or 2.13%

Fee: 0.00044684 BTC or 4.47%

Fee: 0.00027849 BTC or 27.85%
I guess they are trying to calculate a transaction fee that depends on the destination network being used.