When two boats share the same hull type — in this case both the Rinker Captiva 186 FS OB 2013 and the Rinker Captiva 220 MTX 2013 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 Rinker Captiva 220 MTX 2013 measures 22,6 feet overall (2013), giving it roughly 3,9 additional feet of deck space compared to the Rinker Captiva 186 FS OB 2013 at 18,7 feet (2013). Weight tells a clearer story for trailering families: the Rinker Captiva 220 MTX 2013 tips the scales at 4 135 lbs — 1 460 lbs less than the Rinker Captiva 186 FS OB 2013 at 2 675 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 Rinker Captiva 186 FS OB 2013 carries a rated maximum of 150 hp. Engine data for the Rinker Captiva 220 MTX 2013 wasn't available in our records — check the manufacturer's spec sheet before sizing a motor.Fuel capacity breaks the other way: the Rinker Captiva 220 MTX 2013 carries 34 gallons versus 26 gallons in the Rinker Captiva 186 FS OB 2013. On a lake day that's negligible, but for coastal cruising or long reservoir runs the extra range matters.

For family outings this is probably the sharpest distinction between the two. The Rinker Captiva 220 MTX 2013 is rated for 10 passengers, while the Rinker Captiva 186 FS OB 2013 caps at 8. If you're regularly pulling extended family or a group of friends onto the water, the extra seats on the Rinker Captiva 220 MTX 2013 could be the deciding factor.