Both the Velocity 322 2008 and the Velocity 400 Xover 2008 are modified-V designs, both built in composite, so 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 Velocity 400 Xover 2008 measures 39,0 feet overall (2008), giving it roughly 8,0 additional feet of deck space compared to the Velocity 322 2008 at 31,0 feet (2008). At 6 950 lbs and 7 000 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.
The power gap is worth calling out. Rated to 525 hp, the Velocity 322 2008 has a 225-hp advantage over the Velocity 400 Xover 2008's 300-hp ceiling - enough to notice on acceleration and at cruising speed, particularly with a full passenger load. Fuel capacity breaks the other way: the Velocity 400 Xover 2008 carries 400 gallons versus 125 gallons in the Velocity 322 2008. On a lake day that's negligible, but for coastal cruising or long reservoir runs the extra range matters.
Bottom line: The Velocity 400 Xover 2008 at 39,0 ft is the right call if deck space, comfort, and entertaining are top of your list. The Velocity 322 2008 at 31,0 ft wins on trailering ease, likely lower purchase price, and simpler docking - a solid choice for a buyer who wants more boat for less money.