Regions and cities
The Bay of Kotor is the headline: Kotor itself, the smaller town of Perast, and resort-style Tivat and Herceg Novi on the same water. South of it the Budva Riviera has the beaches and the nightlife, and further down Bar, Ulcinj and Lake Skadar feel more local. Inland, the capital Podgorica is a practical gateway, and Cetinje, the historic royal capital, sits in the hills below Lovćen. The north is a different country: Durmitor, a mountain park with 48 peaks above 2,000 m according to Montenegro's tourism board, and the Tara Canyon around the town of Žabljak. The national parks authority lists five parks: Durmitor, Skadar Lake, Lovćen, Biogradska Gora and Prokletije.
Swap it: the Bay of Kotor for Dubrovnik's old town. You get a Venetian-era walled town under steep mountains and, outside peak weeks, calmer streets and a lower bill. You give up Dubrovnik's polish, its wider choice of flights and ferries, and easy onward travel. Kotor is no secret either, so the swap works best out of July and August.