By ‘monitor option’ are you referring to the ability to manually open squelch and monitor the frequency regardless of tone settings? If so, the radio does have that. The small button on the mic, located below the PTT button, does just that. Regarding SWR, SWR values change based on the frequency used for the test. Based on the tuning of the specific antenna, the best SWR reading may be obtained higher or lower in its operational range. A key point however is that SWR has zero to do with the radio being used and everything to do with the antenna system (coax/feed-line and antenna). So if you are using an inline SWR meter (the typical type) between radio and your antenna system, the SWR should not change whether you are using a $50 radio or $1000 radio so long as both of them are outputing the same frequency for the test. In repeater mode your radio is transmitting on 467.xxxx frequencies. In simplex mode your radio is transmitting on 462.xxxx frequencies. If you have better SWR on the simplex channels then your antenna is better tuned to those frequencies. Michael WRHS965 KE8PLM