I like Kotor, too. You do have to be willing to tolerate a cruise ship deluge in the old town (especially the part nearest the water) if there's a large ship in port. But there are some (admittedly not major) sights to see in Kotor. I prefer that situation to the less touristy Perast, which has nothing of interest to me except the little church offshore. I know Mr. E disagrees.
If you've had enough of Kotor, you can take a public-bus trip to Herceg Novi, Risan (Roman villa ruins with some mosaics) or Perast. Risan and Perast are on the same bus route, but they're pretty close together; I walked between them.
Mr. E and I are of one mind about Podgorica, though. Skip it if you can.