Vince,
1) First off, as you've found out, there is a lot more to this....and, I do think I can help.
(I've been using HF comms on boats, since the late 1960's....assisted in my first HF maritime install in 1973...and I've installed/used/troubleshot many systems since then, both maritime and ham....and currently using Icom M-802 on my 47' sloop now for years....yes, I installed all of it myself, including the nav station design, antenna system, radios, instruments, etc. etc...I did it all, and have the same on other boats as well...)Here's my Nav Station:

And, here I am, rafted-up in the Azores....yes, I used HF comms (both ham and maritime) all the way across the Atlantic (yes, even in 2007 and 2008...at the bottom of the solar cycle)
https://jerodisys.com/C470/470pix/4707820.htmAnd, fyi, sitting at the dock here in S. Florida, I still receive Australian HF Maritime weather forecasts (both HF-SSB Voice and HF-We-Fax), right here sitting at the dock....but, don't have a pic of that, so here's a pic of a chart from US NWS, transmitted by USCG.

But, I do have a short write-up of what I still get, sitting dockside here in Florida...
https://www.cruisersforum.com/forums/f13/good-hf-wefax-reception-on-board-at-the-dock-march-2021-real-world-248424.htmlBTW, Vince, I assume you have an Icom IC-7300? And not the older Icom IC-730? (they are VASTLY different radios....and, the IC-730 doesn't have a built-in tuner)
a) Be aware that even if set-up with adequate counterpoise / ground system (which is one-half of your antenna ---- the "hamstick" being the other half), a hamstick (especially on 40m and below) will exhibit a rather narrow SWR-bandwidth, and you should be testing your VSWR across the whole 20m and 40m bands, at 20-25 khz increments...in order to find a resonance, and see what the VSWR bandwidths on various antennas / counterpoises are.
b) Your 14ga wire is (along with the SS grab rail) is acting as your counterpoise ---- it is the other half of your antenna....it is NOT simply "connecting" your antenna base to the sea water! And, as such, this 14ga wire and your grab rail are part of your antenna, and my best guess is that they are in fact a bigger part of your antenna than the "hamstick" itself!
And, since they are of unknown resonance (non-resonant), it's not surprising that you cannot find a good match on either 20m or 40m!
Stop here, and turn OFF the internal tuner in your IC-7300....as we will need to "tune" the antenna and counterpoise to get close-to resonance....and, then, only then, should you activate your 7300's internal tuner, to present a good VSWR to your rig's transmitter!If your grab rail is isolated (meaning mounted into the fiberglass and not connected electrically to anything, like a "bonding system") and you knew its approx electrical length, you could experiment in the exact placement of the hamstick whip mount, along this grab rail, and if needed simply add some wire onto the ends of the grab rail itself, to make a sort-of 20m ground-plane antenna out of your 20m hamstick, and that should work well for you!

(you'd in effect be using the grab rail and any wire you attach to it, or to the antenna base itself, as your radials of the ground-plane antenna)
For 40m, we have the issue of the size of a counterpoise / radials required....and I doubt you have the room for them....but, you could try mounting the antenna at one end of the grab rail (I'd start trying the aft end), see what VSWR you get on 20m, and then (before experimenting with it on 20m), then try adding some wire to the other end (forward end) of the grab rail to get a total length of ~ 32' (tie that wire off with some thin line to your forward pulpit)....adjusting/trimming that wire (and your 40m hamstick whip-tip) to lowest VSWR on your preferred 40m freq...THEN...
Then, swap out to the 20m hamstick, check your VSWR....and, if it's bad (most probably will be), then add a ~ 16' long piece of wire to the antenna base, perhaps at an angle, and tie it off to your transom...adjusting/trimming that wire (and your 20m hamstick whip-tip) to lowest VSWR on your preferred 20m freq...
If you've taken your time and done things above precisely, you now have a 20m and 40m ground-plane antenna, mounted 12' - 15' above sea water and it should work well for you...you may need to use the '7300's internal tuner to touch things up and keep your transmitter happy, but you should have a fairly good antenna for 20m and 40m....
AND...if you want to get fancy, you can take your final counterpoise wire lengths, and stuff them inside some nice double-braided line, so when you have them rigged-up, nobody would ever guess they are part of an antenna!

c) Vince, notwithstanding the above workable solution....it is
not something that I'd do....nope, I'd scarp the hamsticks, and go a different route.
A simple, easy-peasy solution is to
not use "hamsticks", but rather use an AH-4 tuner and a marine HF whip antenna....and either using some "semi-tuned" counterpoise wires as "the other half" of your antenna, or more preferably, use a wide (low-impedence) copper strap from the tuner's "ground" lug to an underwater ground connection... This would get you, 80m - 10m coverage (and probably 160m, as well), with no issues, easy-peasy....the AH-4 tuner is ~ $300 - $325 new, and a Shakespeare 393, 23' whip is ~ $300 - $325, new....so, this isn't a cheap solution, but it WILL work!
{Of course, we are talking ham radio here....not HF Maritime Comms! The reason I wish to stress this is, NO ham radios have DSC (Digital Selective Calling), and to raise any commercial ship or coast station (yes, even the USCG) you must use DSC on HF....this is part of the GMDSS, and has been with us now for 24 years! So, it ain't new....but, just wanted everyone to be aware of this....as this is about ham radio on a boat...
If this was about maritime radio as well, then NO way could an IC-7300 work, and NO way would I ever recommend trying "hamsticks" and string counterpoise wires / radials! }d) I can highlight some other solutions, that are cheaper (and less versatile), but they will depend on you answering a few more questions / providing a bit more info....(perhaps a simple dipole or inverted-v, etc.?)
2) Secondly, usually my very first piece of advice is to ask yourself a few questions, and let us know the answers....'cuz, there's a big difference in what I'd recommend for a guy wishing some casual ham rag-chewing on 20m and 40m, around the US, etc.....versus what I'd recommend for someone that wanted a reliable means of long-range comms, when offshore/in remote locales.....as well as differences between what can work well when anchored, versus what can also be easily used while underway.
So....do you desire to use this exclusively when anchored, or both underway and when at anchor?
And, what type of comms do you desire? Casual ham rag-chewing across the US? Or, serious operating? Or, do you desire reliable long-range comms?
What is your budget? What bridge clearances do you have to navigate thru? How "handy" are you in doing a complete HF install? Have you investigated and removed any RFI-producing devices from on-board? Gosh, there are dozens more questions....but....
But, I went against my usual practice here and simply gave you some answers....probably not the best approach, but we'll see if this new "shoot-from-the-hip" / "never ask what the guy is actually trying to do" approach will be of any help? (for many decades I've seen just about everyone else do this, and to be honest, I'm just about to give up on trying to give specific answers to folks....but...
But, if you desire some better / more detailed / elegant answers here, please answer all of these questions and provide much more detailed info.

3) Ignoring your VSWR issue for the moment....please understand that anything metallic can be used as an antenna....it's all a matter of degree! And, what works best for one particular situation / application might not work well at all for another.
So, before go off and deal with your "antenna" (and VSWR) issues, please take a moment to commit to memory a few "facts of life" in HF comms....I assume some/most of these you already know, but just to be sure:
---- Successful HF comms is all about RECEIVE S/N....(lowering your HF rec noise level, by ridding your boat of the many RFI-producing devices that surround us these days, is going to be the single most important aspect for you here)
---- Anything metallic can be used as an antenna (and antenna ground/counterpoise), it's just all a matter of degree
---- Use of the sea water for an antenna ground / counterpoise is excellent, and it provides a good wide-band counterpoise for MF and HF verticals....BUT, in order to maximize your antenna return currents, you must have the antenna feed-point (usually a remote tuner, such as the Icom AT-140, AT-130, AH-4, AH-2, or SGC, etc.) close to the sea water, and use a low-impedence connection from the antenna-feed-point/tuner ground lug to the sea water! This is the most often misunderstood aspects of designing / installing HF antenna systems on small vessels such as ours!
There is a lot more to all of this Vince, but I think I hit the high points for you....if not, please let me know....I'm just about 150 miles to your ESE, in SE Florida at the moment.
73 and Fair Winds,
John, KA4WJA
s/v Annie Laurie, WDB6927, MMSI# 366933110
Vince, et al,
Have a look here at these pages, where you'll see my boat, nav station, Atlantic crossings, etc. etc. etc...as well as a wealth of HF Maritime info in my Youtube video playlists!
https://www.qrz.com/db/KA4WJAhttps://www.youtube.com/user/captainjohn49/playlistshttps://jerodisys.com/C470/foto_bot.htmhttps://www.instagram.com/p/CmYMlgAO3nD/?utm_source=ig_web_copy_linkhttps://www.instagram.com/p/CmYK5BvugAU/?utm_source=ig_web_copy_linkhttps://www.instagram.com/p/CmYLswWOpgu/?utm_source=ig_web_copy_link