Edit: I just now saw these other two pages of posts here....oppss
I will try to read 'em and reply later.
But, what I posted here / now is good for your antenna questions! Please read it (and heed it).Gerry,
1) We missed you on the tech / Q&A net last night. And, this is a perfect question to bring up on-the-air, as many new hams would have similar queries. (btw, we will have another tech/q&a net next Thr evening)
{of course, my usual worries here about hams looking at Amazon to find ham gear / antennas / etc., and buying "CB-brand" equipment, etc....as well as reading specs and reviews on Amazon, and trying to figure out what's what...but, I will forget these concerns for the moment}FYI, 95% of all VHF/UHF ham communications in our county (Marion county) is 2 meters (including emcomm).....so if you feel you just "must" have 440mhz/70cm coverage, then a multiband antenna (with some compromises) might just need to be accepted by you...OR....or you could maximize your 2 meter coverage and accept limited 440mhz/70cm coverage? (or look for different antennas...hence the purpose of this query, yes?)
2) For VHF or UHF FM comms (as well as D-Star, DMR, FUSION, etc), you need to use vertical polarization.....not because "FM" only works vertically (that would defy Physics, hi hi).....nope....
It is because all VHF and UHF repeaters, and 99% of all VHF and UHF mobile operations are vertically polarized....so, 99% of all home station VHF and UHF antennas (for FM, D-Star, DMR, Fusion, etc.) are vertically polarized...etc. etc....so, if you wish to use FM (or D-Star, etc.), then you need to use a vertically polarized antenna!
Further fyi, if you were to use a horizontally-polarized antenna, for your FM or D-Star comms, you would be at a 20 - 30db disadvantage.....(in the real-world, I've measured "cross-pol" isolation as high as 35dB at microwave freqs, and 26 - 30dB at VHF/UHF in direct-wave - line-of-sight comms, but in general, depending on distances and antennas, figure about 20 - 26dB of disadvantage if you have the wrong antenna polarization)....in theory, this means if you have a 50 watt radio, and opposite polarization (I won't use the term orthogonal, 'cuz it will just confuse most here) you'd need to increase that power to 5000 - 20,000 watts to accomplish the same communications, you could maintain with just 50 watts and a vertically polarized antenna! So...
So, for now.....just forget the "horizontal" antenna.

(we can deal with VHF/UHF SSB and C@W comms, later)
3) You realize that height trumps all for VHF/UHF terrestrial coverage....but, of course, you are restricted by HOA, etc....so...
So, if you wish to have better coverage "into town" / "towards town", a simple solution is a small (and stealthy) 3 or 4 element yagi....a 3 or 4 element yagi, vertically-polarized, mounted ~ 15' high, should give you good coverage into town / into the higher populated areas of the county.
Before you go any further, though, please understand that the gain figures for "the Tram" antenna are "Amazon" / "CB radio" type gain figures....'cuz it is highly unlikely that a 43" long antenna can give you 3.5dB gain over a dipole (3.5dBd)....as a 2-meter 1/2-wave dipole is 38" - 39" long....and, I suspect that "the Tram" is being "sold" as / attempted to be operated as a "5/8-wave vertical", at best...but, in reality is probably a half-wave vertical, with 0dB gain versus a dipole, at best, and more likely -1dBd!!

And fyi, even in a perfect world, with proper feed and feedline decoupling, counterpoise, etc., the very best that an elevated 5/8-wave vertical antenna could manage is ~ 1.5 - 1.7dB gain over a 1/2-wave vertical dipole.....and in real-world, at best it's about 1dB better (unlikely to ever make a difference!).....but, in many/most situations, it is almost unlikely to exhibit any measurable gain versus a 1/2-wave vertical dipole.
This translates to:
Those antenna gains that you posted are total marketing BS! Do NOT believe them! So, having read this....I think you now may start to see the "issue" with buying stuff from Amazon and/or buying "CB-radio-market" stuff. (the fortunate fact is, you DO have experienced hams, right there in town that can help you, and point you in the right direction....all you need to do is ask...

4) You could build a small yagi, or a simple 3 or 4 element quad (which can be pretty easy to feed directly, from one side, with coax running down a spreader and boom)....there are many on-line plans, as well as some hams local to you that have done just that!

(I talked to one of them, just this week)
5) Or you could buy a commercially made 3 or 4 element 2-meter yagi, which should exhibit approx 5 to 6dB of gain versus a 1/2-wave dipole (and perhaps even a bit more gain versus your existing "Tram antenna"?) The azimuthal beamwidth of a small, 3 element, vertical yagi will be quite broad, and should illuminate much a quadrant....meaning if you point it roughly northeast, it will work from north, all the way to east....which is great for your locale! (notice that I'm not trying to hem you in here with exact numbers, 'cuz you've gotten then already....what I am doing is showing what should/will work well for you from On-Top-of-the-World into town)
Going any larger in size, please know that you would need to double the length of the 3 or 4 element yagi (perhaps even going 2.3 to 2.5 times its size) with a corresponding doubling of number of elements, just to get an addition 3dB of gain....and, in addition to it no longer looking too stealthy, you'd probably need some sort-of rotor to turn/point the antenna to various directions, depending on what stations/repeaters you wish to communicate with....so, as you see, since you're limited to stealthy antennas at a fairly low height, a simple 3 or 4 element vertically polarized yagi is probably the best choice for you...
If you wish to buy a new, commercially-made, 2-meter yagi....figure on spending about $100 ($75 to $120).....if you wish a used one, you can find 'em for ~ $25 - $50...
Cushcraft, Hy-Gain, KLM / M-squared, etc....have what you are looking for....even MFJ sells something that will work (on, and btw....Cushcraft and Hy-Gain are both owned/operated by MFJ now-a-days....so, quality is a crap-shoot....which is why I'd actually recommend you buy a really old, used, Cushcraft or Hy-Gain 2-meter yagi!)
6)
Oh, boy....there is a lot more to all of this, but I just now saw that there are two more pages of postings to your query here....and, I need to read them! (oppss) And, of course, I'm hesitant to actually recommend a specific antenna, from a specific company, since as we already know from past experience I will not recommend what you are comfortable with....(hint, look at HRO, DX Engineering, Antenna Farm....for small 2-meter yagi's from Cushcraft, Hy-Gain, etc.....don't look at Amazon, nor brands like Tram, etc.)
I do hope this helps.
73,
John, KA4WJA