Both the Monterey 220EX 2009 and the Monterey 320SY 2009 are modified-V designs, both built in fibreglass, so 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?

Both boats share a closely matched power ceiling - 320 hp for the Monterey 220EX 2009 and 320 hp for the Monterey 320SY 2009. 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. Fuel capacity breaks the other way: the Monterey 320SY 2009 carries 180 gallons versus 50 gallons in the Monterey 220EX 2009. On a lake day that's negligible, but for coastal cruising or long reservoir runs the extra range matters.