Marine Traffic is actually an excellent way to test your transmission.
It is not, and I explained why. It is similar to why calling the Coast Guard is not a good way to test the quality of your VHF transmission. You even elude to this when you mention how easy it is for the CG and Marine Traffic to see you with large radio towers.
Seeing a mast is not a good way to avoid a collision coming in a blind breakway or inlet. There is no easy way to tell direction, or timing. Then there are boats like tugs and barges that can't be seen at all. If you haven't seen visually obstructed breakwaters or inlets, then you've had it easy. Right now, I'm at the mouth of the Panama Canal, where there the breakwater is tall enough to hide container ships, and avoiding the ships while coming in the breakwater is a blind game of frogger. AIS makes this a piece of cake, but it is tough visually, and is mostly guessing, hoping, and reacting quickly at the last minute without it.
I've never questioned having an AIS transponder. Quite the opposite - I'd like to see every boat have one.
I agree that running a second antenna COULD be less expensive than a splitter, and it was in your case, but it isn't necessarily so. It would cost more than a splitter on our boat, for example. I was just pointing this out, because being less expensive than a splitter is not universally true.
Rail mount works fine for what it is. There just isn't any argument that lower height is better, or that one only cares about other slow boats a mile or so away, and not anything at larger distances. As someone who regularly sails short handed in large sea states, with strong winds, at night or in poor visibility, often with sails prevented, I am grateful to have notice of an unseen boat 10nm away so that I have time to chose my option, prepare the boat, and safely make a course change if needed. I appreciate when my signal gets out 10nm or more and the other ship has an equal opportunity. Detection distance isn't as critical in calmer conditions and good visibility.
Yes, power boaters have height constraints and still manage (although they get a bit of help with higher-gain antennas). So do kayakers with handheld radios. I don't see how this matters, as each is using their best option. It would be like telling a power boater that putting his antenna in the cabin below is just as good as above on the rail.
Mark