@SteveShannon Ah, beans. That's what I figured but I wanted to make sure I wasn't missing something simple. Thanks for your help!
@Socalgmrs Interesting, I'll have to read up on that. What's not accurate about the SWR on a handheld and would they typically read high or low on an HT? I got the meter just make sure I didn't have anything Obviously Wrong (like low/no wattage or abnormally high SWR) even if it wasn't particularly accurate.
Regarding the repeater, I'm about 25 miles out from it. Listening with a second radio, the repeater acts like like someone kerchunked it (I think that's the term). I'm not sure I have clear line of sight to the tower so I figured there's just too many obstructions for a 5W handheld to deal with. A little disappointing but I'm not too concerned. Gives me an excuse to build a base station sometime down the road.