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I haven't been to Burgas but Montenegro still feels rather different IMO. Probably it has to do more with local culture and with GDP per capita rather than the currency itself (even though you're right that the latter may slowly evolve thanks to easier inflow of money).

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Depends on where you’re at in Montenegro. Parts of it are definitely still different (the capital, Ulcinj and the south, rural areas) but some of the coastal cities are becoming very generic global luxury stores and mass tourism.

At least - that was my experience spending a couple months there 2-3 years ago.

True, it felt a whole lot like Croatia near the coast of Montenegro save for the complemantairy ketchup they offer with pizza.

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