Each to their own so I don’t try and tell people what’s right and what’s wrong, only what I would do. But maybe I should have explained why:
I tend to consider if I will ever be back in that direction again, especially if I did part of it on an earlier trip. Usually, it works better for me and the odds of getting back increase if I save the trip until I can do it well. There is so much to offer that going to Kotor for a night is a little like going to Florence for a night and skipping the rest of Italy.
And I apologize for this being off topic as you described it. But food for thought maybe or for future.
But if you want to run down to Kotor for a day, sure, it’s easy. Kotor is a smaller, less impressive version of Dubrovnik, but the bay is beautiful. The towns of Herceg Novi and Perast, for me, were as interesting as Kotor (after having seen Dubrovnik). But that’s probably the shallowest view of a fascinating country. More interesting or maybe must more fun for me was the P1 road that runs out of Kotor over the mountain. The views are spectacular and I got a kick out of seeing the hams hanging in the prosciutto house.
Even more interesting was the Monastery built into the side of the cliff at Ostrog and more magnificent visually was the Tara River Canyon. Two things so unique and special, and it hurts to miss the. But in 2 days? That would be tough. Then there is Stari Bar which is an ancient hilltop town that was abandoned after an earthquake several hundred years ago. So now its this amazing ancient ghost town. Not much further down the coast is the walled old town of Ulcinj perched on a hilltop overlooking the ocean. This really is where east meets west as the city is at least half Muslim and making seeing churches mixed with mosques in harmony pretty special.
Another abandoned ancient hillside village holds an amazing little winery. On the way to it you can stop and visit an olive plantation and get a lesson in olive oil and try the home cooking. Oh, also know a place where you can take a cooking class in a private home…… Or just let her cook and eat some of the most amazing things.
4 nights would be absolute minimum I would devote to the investment of visiting Montenegro. But, again, just me.
I like to watch videos to help decide where to go. This thread has a pretty good list for Montenegro. I didn’t want to repost it because its kinda long: https://community.ricksteves.com/travel-forum/montenegro/podgorica-to-dubrovnik-by-car
My other suggestion was, with just a day or two you go from Split or from Dubrovnik to Mostar, Bosnia & Herzegovina (BiH). Or you could do it when traveling from Split to Dubrovnik. Something like
- Day 1: Dubrovnik to a winery on the Pelješac Peninsula then to the
Koćuša Waterfalls. The falls are pretty and it’s a good place for a
late lunch. Nice restaurant (I can look up the name if you want).
Then on to Mostar. Drive time is maybe 3.5 hours but with two stops
that’s not bad.
- Day 2: Maybe spend the morning in Mostar, then to the 16th century
Blagaj Tekija monastery and lunch. Then on to the Kravice water
falls. Bring a swimsuit. This isn’t like Plitvice where it is all
look and don’t touch. This is interactive. Go swimming. Then back
to Dubrovnik. Again maybe 3 hours of driving.
You could also do this from Split and back or from Split to Dubrovnik. You can add a second night in Mostar to get a bit deeper into the town. There is a lot most tourists don’t see. Or use it for another day trip. Naturally all of this will require a car. I hire a driver when I move around the area. A nice hotel in BiH is so reasonable that a driver and a hotel in BiH costs about the same as a hotel and a bus in Western Europe.
And without all the intermediate stops, you can do Mostar as a daytrip. Plenty of tours do it so it would be cheaper too.