More SWR fun

I've been having radio transmission problems on my Dittel FGS-2T off
and on since I put it in. Some people say I'm over-modulate, some say
I'm under-modulated. I've got a factory boom mike and a factory wiring
harness. I finally got one of those MFJ-259B SWR analyzers to see if
it's an antenna problem. At 123.4 MHz the SWR reads 2.4. It bottoms
out at around 1.7 at 131 MHz.

Question: Should I worry about an SWR of 2.4? If so, how could I
possibly tune a built in antenna? Also, anyone have any experience in
fixing modulation issues in a radio?

Second issue.

I have a couple of magnetic mount ground station antennas. They both
show a SWR of around 2.1 at 123.4 MHz and a minimum SWR of 1.1 in the
low 130's.

Question: Should I go get longer whips for these to better tune them
for the glider freqs?

Note to all of you trying to tune these kinds of antennas - Having
them magnetically mounted to a steel roof makes a huge difference in
the readings.