I wouldn't trust a thermometer that does not go into the water. The outside the tank thermometers cannot give an accurate reading because they have to consider the temperature difference between the outside of the tank and the inside of the tank. This is influenced by the type of glass, the thickness of the glass and the difference of temperature between inside and outside the tank. The sensor outside the tank type thermometers will read differently based on the outside temp.
Personally, I prefer the alcohol in glass tube type of thermometers. If you are real concerned order a referenced thermometer and use it to determine how close your working thermometers are to the other thermometers.
In most application if you are shooting for middle of the road temps and you are not doing advanced fish keeping such as conditioning your fish to breed, being off by a degree are two is not going to make a big difference.