About the tone
In the example you mention two frequencies, the first you did not label, but I presume it is the repeater output (this is where the radio user listens). The second appears to be the repeater input, this is where radio system user actually transmits.
For most purposes, you are probably best off programming only the first/repeater output frequency, unless you want to know if you are in range of the radio user, in which case, you might want to use the repeater input as well.
The tone such as 103.5 you mentioned can be referred to as a PL tone. It is an interefence/selective squelch system. Many modern scanners have a mode that allows you to program the radio to only unmute the squelch if the correct PL tone is received. So if a noisy area puts static on the desired frequency, or if band conditions cause another radio system to propgate over on the same frequency, you won't hear it, unless they use the same PL tone.
You do not have to program in the PL tone to hear a transmission. You only need it if you want to avoid unwanted transmissions.
