I wanted to report back on this testing.
I've had a chance to test with a local HAM that has the same antenna(s) but Yeasu radios. I use Retevis HT's. My friend had a Yeasu mobile unit mounted to the same comet antenna and mag mount as me. His HT, Yeasu FT70DR, uses a Signal Stick and has a signal stick mag mount on his truck for in-cab operation of the FT70DR.
Having a mobile unit, he had not tested with the FT70DR as a primary mobile radio with VHF repeaters, but it exhibited some of the same issues as my HT's.
He could TX and RX the VHF repeater with the ratio mounted antenna. When he connected his mag mount antenna he could TX, but there was no RX using the Signal Stick mag mount.
The VHF repeater is mounted at the top of a 648' tower 5 miles away. There is no reason RX should be impacted. We moved his FT70DR to my finder mounted Comet and he could receive, but the signal was weak.
After this testing, I believe my HT's experience reduced RX sensitivity on VHF when connected to vehicle mounted antennas. I can monitor the repeater on my HT and could barely him or other traffic. I could hear the Repeater identification just fine, but the audio was very week and scratchy on my HT. Traffic from other is hit and miss. Some is weak while other traffic is strong.
I'm not sure why UHF repeaters are so clear and strong, but I'm giving up on VHF operation. I'll eventually invest in a mobile unit for my truck and will most likely be very happy. Until then, I'll keep my rubber duck HT.
I appreciate all of the suggestions and recommendations.