When two boats share the same hull type — in this case both the Monterey 320SY 2009 and the Monterey 328SS 2011 are modified 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?

The power gap is worth calling out. Rated to 430 hp, the Monterey 328SS 2011 has a 110-hp advantage over the Monterey 320SY 2009's 320-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 328SS 2011 carries 142 gallons versus 18 gallons in the Monterey 320SY 2009. On a lake day that's negligible, but for coastal cruising or long reservoir runs the extra range matters.