I guess I must be missing something here, but, IMHO, a NF and a Monarch are not in the same league.
Is a NF better than a Nikon? Depends on how one defines better. Is it clearer, brighter, etc. Yes! Is it worth the extra money? Only the person that pays the extra money knows for sure.
I too once said I would never spend $1000 on a scope. However, since that time I have added a Lupe VX-7 and three Swaro's. No NF's yet, but there is still time.
I have always felt when it comes to optics, buy the very best you can afford and then add another 15-25%. You won't be sorry.
Do like I do, buy your clothes at Sam's Club instead of that trendy men's shop. Haha, never been in a trendy men's shop. I thought J.C. Penny was as good as it got. My wife says I shouldn't brag about that as I am a slob when it comes to clothes.
Fancy clothes...top notch scope, Hmmmm?
Oh well, that's a different topic.