That's been the discussion for ages. Is a RRampMeter necessary? If you can afford it, by all means, buy one.
But if that meter sounds expensive, then the HF meter or 2 or 3 are going to be sufficient.
As for 15v, that's the ideal. But 14.4v or 14.7v is not going to hurt anything.
And when I measure volts, whether with the HF or a TRMS meter, if the track measures 14.4v anywhere up to 15v - that's all I need to know. The world won't come to an end if it's not 15v at every place I measure.
Any difference can be attributed to the variance in the meters.
Morgan Bilbo, DCC since 8/18. Model PRR 1952.