I got the Monterra with City Navigator and a one-year subscription to Birdseye. I'll just have to get conductive gloves or take them off. I really don't see me messing with it that much.
I like the Montana, but I just couldn't justify not spending the difference to get the latest hardware - no chance of ever upgrading the Montana to a Monterra. Plus the hope of more apps to come.
It is sort of between the classic Garmin and the cell phone solution.
The best review that I found on the net was here:
http://www.globeriders.com/article_pages/article06_gps/article06_monterra.shtmlLooking at the difference in the interface (the Android OS) and three types of wireless connectivity made the difference for me.
I ordered it from Garmin directly since they didn't charge tax or shipping. You can get some deals if you buy the version with the topo maps, but I agree with Rusty that they just get in the way, especially if you are trying to read it while riding.