When two boats share the same hull type — in this case both the Chaparral 220 SSi Sportboat 2004 and the Chaparral 246 SSi Sportboat 2006 are modified vee designs with composite construction — the buying decision usually comes down to a handful of practical questions: how many people are you putting on the water, how far do you trailer, and what does your tow vehicle weigh?

The power gap is worth calling out. Rated to 425 hp, the Chaparral 246 SSi Sportboat 2006 has a 105-hp advantage over the Chaparral 220 SSi Sportboat 2004's 320-hp ceiling — enough to notice on acceleration and at cruising speed, particularly with a full passenger load. Fuel capacity breaks the other way: the Chaparral 246 SSi Sportboat 2006 carries 72 gallons versus 56 gallons in the Chaparral 220 SSi Sportboat 2004. On a lake day that's negligible, but for coastal cruising or long reservoir runs the extra range matters.

Both boats are rated for 12 passengers — a good fit for a family of four or five plus guests. Comfort at capacity is another matter; the longer hull typically means more seat options and better weight distribution.