Good point! I had to read that a couple times to understand.
Thank you Pat for forcing me to clarify better!
Here are two pictures and this drives the point home. The center insulator (a hacked toothbrush handle) is less than a foot above ground. The vna clipped to the dipole. The sweep 6-8 MHz. Centered up at 7.040 MHz. Again, in NEC, if you simulate with an inappropriate ground definition, you will not get agreement with this configuration. SWR will be significantly higher and attempts to match a more complex configuration from NEC data will be frustrating. Take care in defining ground. It may be prudent to construct such an arrangement on ones property, then fiddle with the ground definition to force closer agreement with measurements.