It may be a stupid question, but what is the center differential? I'm aware of front and rear differentials and transfer cases, but the reference to a center differential has always confused me. Is it just the differential on the front axle?
I wouldn't call myself an expert on the subject but some all-wheel-drive systems use a center differential in, or in place of, the transfer case. This allows the front/rear wheels to travel at different speeds as needed in high traction situations typical to all-wheel-drive mode on roads.
I'm not sure which Monteros the term center differential correctly applies to. My 2005 has a viscous coupling so I'd bet that it lacks a true center diff but I may be wrong on that or you may be able to correctly apply that term to the viscous coupling as it provides the same function.
The interesting thing about Monteros, to me, is the availability to select 2WD, AWD, or 4WD. Essentially it takes the advantages of a standard part-time 4WD and adds the unique ability to operate as an AWD. Throw in a good traction-control system and you have a great versatile vehicle.