Cobalt CS23 Surf vs Monterey M22: 5-year value retention (62% vs 62%), resale value, and cost of ownership head-to-head. Cobalt CS23 Surf holds its value better.
On five-year value retention the Cobalt CS23 Surf comes out ahead, holding about 62% of its value versus 62% for the Monterey M22. Over the first five years the Cobalt CS23 Surf loses roughly $57,939 while the Monterey M22 loses about $30,980 — a gap near $-26959.
First-year drop is the biggest factor: the Cobalt CS23 Surf sheds about 17% in year one versus 32% for the Monterey M22. If you buy used, the steeper early drop is what the original owner absorbs.
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