The Monterey 255 SS 2020 vs Monterey M4 2020 comparison sits squarely in the category of decisions where specs alone won't tell the whole story: intended use, storage, and long-term ownership costs all factor in.
On paper these two are close siblings in the size department - Monterey 255 SS 2020 at 25,8 ft versus Monterey M4 2020 at 23,1 ft. Weight tells a clearer story for trailering families: the Monterey 255 SS 2020 tips the scales at 5 500 lbs - 1 000 lbs more than the Monterey M4 2020 at 4 500 lbs. That difference is meaningful if you're working within a half-ton or three-quarter-ton truck's tow rating, especially once you factor in a motor, gear, and fuel.
The power gap is worth calling out. Rated to 350 hp, the Monterey 255 SS 2020 has a 50-hp advantage over the Monterey M4 2020's 300-hp ceiling - enough to notice on acceleration and at cruising speed, particularly with a full passenger load. Fuel capacity breaks the other way: the Monterey 255 SS 2020 carries 65 gallons versus 50 gallons in the Monterey M4 2020. On a lake day that's negligible, but for coastal cruising or long reservoir runs the extra range matters.
Both boats are rated for 7 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.
Bottom line: The Monterey 255 SS 2020 at 25,8 ft is the right call if deck space, comfort, and entertaining are top of your list. The Monterey M4 2020 at 23,1 ft wins on trailering ease, likely lower purchase price, and simpler docking - a solid choice for a buyer who wants more boat for less money.