The Starcraft Marine 1232 2013 is a flat-bottom design and the Starcraft Marine Crossover 220 SCX OB 2012 is a tri-hull design, so you're likely deciding between two noticeably different on-water experiences. Hull type shapes everything from ride quality and fuel burn to dock handling and resale trajectory.
Size is the most obvious dividing line here. The Starcraft Marine Crossover 220 SCX OB 2012 measures 21,6 feet overall (2012), giving it roughly 9,6 additional feet of deck space compared to the Starcraft Marine 1232 2013 at 12,0 feet (2013). Weight tells a clearer story for trailering families: the Starcraft Marine Crossover 220 SCX OB 2012 tips the scales at 3 500 lbs - 3 380 lbs less than the Starcraft Marine 1232 2013 at 120 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 250 hp, the Starcraft Marine Crossover 220 SCX OB 2012 has a 244-hp advantage over the Starcraft Marine 1232 2013's 6-hp ceiling - enough to notice on acceleration and at cruising speed, particularly with a full passenger load.
For family outings this is probably the sharpest distinction between the two. The Starcraft Marine Crossover 220 SCX OB 2012 is rated for 13 passengers, while the Starcraft Marine 1232 2013 caps at 2. If you're regularly pulling extended family or a group of friends onto the water, the extra seats on the Starcraft Marine Crossover 220 SCX OB 2012 could be the deciding factor.
Bottom line: Choose the Starcraft Marine Crossover 220 SCX OB 2012 if your priority is putting more people on the water - it handles 13 passengers and at 21,6 ft it has the deck room to back that rating up comfortably. The Starcraft Marine 1232 2013 is the smarter pick if you want a lighter, easier-to-trailer boat rated for 2 that costs less to run day-to-day.