Straight @ "T"
Correct. 5 watts is the least you should consider. You should also consider a larger aftermarket antenna (mag mount for the car or a bigger whip for the HT). Those little short ones are cute but are very inefficent. Also, 2-meters (and above ie 440/UHF) is very line of sight. If you are blocked from "seeing" the repeater or the other station communications will be take place.