Are Lake Skadar, Lovćen and Cetinje worth adding?
Lake Skadar, Lovćen and Cetinje are worth adding when you want Montenegro beyond the bay-and-beach version. They work best with a car or careful transfer plan, not as random leftovers.
Answer
This middle layer of Montenegro makes the country feel less obvious. Lovćen gives you height and national symbolism above the coast; Cetinje adds an older capital rhythm; Lake Skadar slows everything down with reeds, water, villages and birdlife. None of them needs to be forced into every route, but they are useful when Durmitor is too much and Budva is not your mood. The catch is movement. These places reward a day designed around them, not a last-minute gap between checkout and dinner.