Monterey M20 vs Thunderbird Formula 380 Super Sport Crossover: 5-year value retention (62% vs 62%), resale value, and cost of ownership head-to-head. Monterey M20 holds its value better.
On five-year value retention the Monterey M20 comes out ahead, holding about 62% of its value versus 62% for the Thunderbird Formula 380 Super Sport Crossover. Over the first five years the Monterey M20 loses roughly $26,745 while the Thunderbird Formula 380 Super Sport Crossover loses about $465,098 — a gap near $438,353.
First-year drop is the biggest factor: the Monterey M20 sheds about 30% in year one versus 31% for the Thunderbird Formula 380 Super Sport Crossover. If you buy used, the steeper early drop is what the original owner absorbs.
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