the answer is no,....... because radios don't "see" VSWR, they are not in any way, shape or form affected by VSWR.
VSWR doesn't actually exist,... it's just a math ratio.
the ONLY thing a radio "sees" is impedance.
you really should brush up on Smith Charts and you will find out that the "VSWR circle" is really an elipse.
I think you are near the truth.
SWR is another way of expressing
return loss, which is a decibel expression of percentage of power reflected back into the RF source.
Standing waves do actually exist. It happens when you have energy of oscillating waves being reflected between source and load because the load doesn't absorb it all and neither does the source absorb it all, so it bounces back & forth, setting up peaks and troughs of voltage and current. Because two waves going in opposite directions of same frequency are running into each other.
The end result in radio transmitter is that with these waves bouncing back & forth (with high SWR), some of the power is absorbed by the load, and some by the source, and coax inbetween. With good SWR, most of power is absorb by load.
But when you have poor SWR then the final transistor and output matching circuit is being asked to dissipate more power, often more than its rated for. And depending on phase angle of reflected power, you could have too high voltage in final transistor, or too much current.. depending on length of coax.
I think this doesnt matter too much in the case of fiberglass RV, where the problem is likely the coax shield acting as a ground-plane for antenna.