Cobalt 30SC vs Monterey 218 SS Surf Package: 5-year value retention (65% vs 65%), resale value, and cost of ownership head-to-head. Monterey 218 SS Surf Package holds its value better.
On five-year value retention the Monterey 218 SS Surf Package comes out ahead, holding about 65% of its value versus 65% for the Cobalt 30SC. Over the first five years the Monterey 218 SS Surf Package loses roughly $31,856 while the Cobalt 30SC loses about $139,804 — a gap near $107,948.
First-year drop is the biggest factor: the Monterey 218 SS Surf Package sheds about 7% in year one versus 16% for the Cobalt 30SC. If you buy used, the steeper early drop is what the original owner absorbs.
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