The Bay of Kotor combines Kotor's medieval walls climbing to the Castle of San Giovanni, Sveti Stefan's photogenic island villa hotel, and Our Lady of the Rocks (an island built ship by ship since 1452) on Perast's bay.
Kotor walls climbable without midday heat, Adriatic warming for swimming, and Perast's stone village walking comfortable before peak cruise-ship density.
Bay at peak with cruise ships disgorging thousands by 9am, Sveti Stefan villa-hotel at maximum exclusivity, and the Bay of Kotor sailing season busy.
Sea still warm, cruise crowds dropping after summer, and the Boka Festival in mid-July aside, the bay pleasant for slow exploration.
Bay quiet with most coastal businesses closed but Kotor and Perast walkable in cool air, and the Mediterranean winter around 13°C makes for quiet exploration.