The SeaTow automated response system is a wonderful tool. It not only quickly made apparent a transmission problem on the lower station Simrad black box vhf handset( easily fixed with a swap with a good used spare that transmits just fine just as the upper station always has done and still does) , it also taught me what a difference speaking in just slightly louder voice right into the microphone spot makes compared to the former tendency to speak normally a scosh farther way from the mic and at slight angle thinking I was avoiding speaking/breathing "pops" and distant impression of yelling.
It might possibly be worth testing your technique before replacement.
Keep in mind, the SeaTow antenna most always will be higher than yours and in some cases they ...may... even have a special permit for stronger TX wattage on their equipment than on your boat.In most cases, I would suspect it would not be abnormal at all for a station such as yours or mine hailing for an automated radio-check at even a semi- marginal distance to have a less audible playback-to-us message from Seatow (ch 28 nearby here) than their usually quite loud -sounding greeting/prelude message. Just my impression.
Antennas, particularly less expensive cheaper construction ones, do deteriorate with time and wave impact reaction abuse, but FWIW I believe bad/corroded PL-259 or similar connectors is a much more common culprit for low VSWR readings in typical rec boat VHF systems.