Croatia is NOT part of SCHENGEN, but is in the EU (important for VAT) and has its own currency.
Montenegro is not in the EU and not in Schengen, so completely different beast.
In both countries you will be subject to tourist tax (Weekly, up to 1 year based on boat size, for a 40 ft
catamaran a yearly tax even for EU citizen is around 1000 USD, the week is around 400hrk / 60€) and annual sailing
permit tax for the boat based on calendar year of 474hrk / 70€, it is quite expensive to stay there. Check the
Internet for prices.
Marinas in Croatia are also very expensive compared to
Italy,
France etc. Good news is, when winterizing the boat, and not staying on board (locked in the marina), tourist tax must not be payed. But if you
live aboard, they may charge you.
Montenegro has similar
taxes for cruisers.
Because Croatia it is a EU country, shipping of goods between all other EU is
import tax free and you can buy anything from anywhere there online, this might not be the case in Montenegro, which is not part of the block, you have to rely on local availability of the
parts or
import them through
customs.
Montenegro may have different Visa requirements too.
Some reading about Croatia:
https://www.total-croatia-news.com/t...crease-in-2018
Croatia is one of the countries that emerge after Yugoslavia fall apart, it was a socialist country and they are really greedy to get to the western standards, starting withe the prices and
taxes on tourists. We even had to pay 10€ for
anchoring in a bay near the city of Rovinj a month ago, on the market, they try to sell you the kg of grapes for 10€, while in the store around the next corner they cost 1.5€ / kg. I guess you get the point. Just keep an eye open and double check. Eating out and
provisioning is still affordable - and off-season even more - it is cheaper than in other EU countries, but this can change quickly.
Sailing is great, a lot of islands to visit, but they start to impose more and more restrictions / protected areas and parks to restrict access to some nice sites or to impose more
fees.
The
winter is wet and cold, prevailing winds are Jugo (warm and wet from the south) and Bora (cold & dry from the north) and can be quite nasty at sea with high swell, the
water is cold during the spring time. Especially January, February and March can be not so pleasant, in April and May the first tourist come and places become crowdy.
During the
winter time, live just dies, many stores, restaurants and facilities are closed and you think you are in a different place.