The Monterey 264FSX 2012 vs Monterey M-22 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 264FSX 2012 at 26,6 ft versus Monterey M-22 2020 at 23,9 ft. Weight tells a clearer story for trailering families: the Monterey M-22 2020 tips the scales at 3 850 lbs — 3 796 lbs less than the Monterey 264FSX 2012 at 54 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 425 hp, the Monterey 264FSX 2012 has a 75-hp advantage over the Monterey M-22 2020's 350-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 M-22 2020 carries 52 gallons versus 8 gallons in the Monterey 264FSX 2012. On a lake day that's negligible, but for coastal cruising or long reservoir runs the extra range matters.