When two boats share the same hull type — in this case both the Monterey 264FSX 2013 and the Monterey 328SS 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?

Size is the most obvious dividing line here. The Monterey 328SS 2012 measures 32,2 feet overall (2012), giving it roughly 5,6 additional feet of deck space compared to the Monterey 264FSX 2013 at 26,6 feet (2013). At 52 lbs and 97 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 — 425 hp for the Monterey 264FSX 2013 and 430 hp for the Monterey 328SS 2012. 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 328SS 2012 carries 142 gallons versus 8 gallons in the Monterey 264FSX 2013. On a lake day that's negligible, but for coastal cruising or long reservoir runs the extra range matters.