When two boats share the same hull type — in this case both the Montego Bay Pontoons F8516 2013 and the Montego Bay Pontoons F8520 4PT 2013 are pontoon designs with aluminum 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?

On paper these two are close siblings in the size department — Montego Bay Pontoons F8516 2013 at 17,0 ft versus Montego Bay Pontoons F8520 4PT 2013 at 17,0 ft. At 1 325 lbs and 1 325 lbs respectively, both sit in a similar weight class — either should pair comfortably with most mid-size SUVs and half-ton trucks, though always confirm your specific tow rating with the motor added.

Both boats share a closely matched power ceiling — 40 hp for the Montego Bay Pontoons F8516 2013 and 40 hp for the Montego Bay Pontoons F8520 4PT 2013. Real-world performance will come down more to which motor is actually bolted on, its load at the time, and whether it's a 4-stroke or 2-stroke setup.

Both boats are rated for 6 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.

At this size, power-to-weight ratio matters more than outright horsepower. The Montego Bay Pontoons F8520 4PT 2013 comes in at 33 lbs per hp versus 33 lbs per hp for the Montego Bay Pontoons F8516 2013. The lower the ratio the more explosive the acceleration — meaningful on a short RIB where bursts of speed, quick planing, and agility in surf or tight waterways define the experience.