When two boats share the same hull type — in this case both the Monterey 264FS 2013 and the Monterey M3 MSX 2012 are deep vee designs with fiberglass 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 — Monterey 264FS 2013 at 26,6 ft versus Monterey M3 MSX 2012 at 23,8 ft. At 52 lbs and 45 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.

The power gap is worth calling out. Rated to 425 hp, the Monterey 264FS 2013 has a 105-hp advantage over the Monterey M3 MSX 2012's 320-hp ceiling — enough to notice on acceleration and at cruising speed, particularly with a full passenger load. Both carry nearly identical fuel loads — 8 gal and 5 gal — so range won't be a tiebreaker here.