So what you are saying is that I get less performance from a 8 foot 5 inch
SS whip than if I had a 5 foot base loaded X-terminator?

BS.

No. You said that. There is no base loaded X-terminator and if there
was I couldn't tell you what it could do because I never measured it.

All I am saying is this. There are shorter antennas that can beat a
102" SS whip. If you can beat or equal the 102 then why not take
advantage of it. After all the best place to mount an antenna is
the roof. All antennas gain from the roof location. It is much more
convenient and likely that you would mount a five foot antenna
on the roof.

The only disadvantage of the X-Terminator type antenna is its
cost and its ugliness, but you can mount it on the roof without fear
of trimming your neighbors trees.