If it's a choice between using a meter in the radio or tuner, or using an external one, it's more a matter of how well that internal meter was made, calibration etc. It depends a lot on who makes it, some manufacturers get by with the absolute minimum, so go a little further. So how do you tell? Do a comparison with a known good meter. If they are both 'ball park' close, then it really doesn't make a lot of difference, sort of. Lots of "if's", "ands" and "buts" in that.
Most HF watt meters/SWR meters just won't 'stretch' to VHF/UHF ranges. Which means that a meter specifically for the VHF/UHF regions can be a pretty good idea if that's what you are concerned with. Most meters are optimized for a particular range, no matter what total range it has. Optimizing for the total range means more complex and therefore more expensive meters. I did without a 2 meter meter for a long time. Tried to pay attention to what the radio would 'tell' me, and compensated where possible. I finally got tired of that and just got a usable meter (it only hurt for a little while). An external meter can be redundant. It isn't absolutely necessary in each and every case. They are handy to have around though. If you are happy with, have confidence in what the internal meter tells you, use it. If not, well, go dig up one'a them fruit jars full of money you buried in the back yard. It only hurts for a little while...
- 'Doc