A 2:1 match or better is generally accepted as almost standard. 3:1 and you are loosing 3/4 of your EIRP.
I don't know how trustworthy the SWR reading on the meter would be, I take it with a grain of salt.
3 sensors in the ATU are forward power, reflected power, and antenna current.
Some internal ATUs have the tuning algorithm in the system brain, some have like a PIC16
the sensors can go out of adjustment and tuning stops before ideal match.
I would look at the antenna with an analyzer so see if it will go to 80 and 160 meters,
it may not.
I have a 33 foot vertical with an Icom AT-140. It will tune 80 and 160 meters nicely but don't get the performance I have with a broad band butterfly.
You don't need lots of power for FT8, even 10 watts is remarkable. If you can get 25 watts, you should do lots of logging.