But those are unique instances I believe :-)
The latter is ok in my book because it is seen as part of the cost of the service but separated in the invoice just like tax.
The former is a BIG pain!
At least in Switzerland, you round up a Franc or two maybe if you are paying with cash, just to make the bill easier to pay. If you are paying card you generally don't tip at all.
If you tip 20% you either come off as a stupid tourist, or if you speak the language and explain it is for exceptional service (and not just because you culturally don't know better) you will make the waiter's day.
To give no tip is in my experience considered quite rude. I only ever do it when I was unhappy with the service.
My personal experience when I was jobbing as a waiter during my university time was different. Larger tips (more than a round up) were rather the rule than the exception.
Due to the fact that all tips are usually shared with everyone working in the restaurant I usually even tip if I was not that happy with the service because I liked the food or also the other way around.
It still is quite surprising how even those "habits" are different in all the different regions here.