Imagine picking up a piece of toast. Now, imagine dunking it into a huge vat of butter a few times, and maybe swirl it around a bit. Now grill it with a piece of cheese until the cheese melts and oozes and slowly permeates into that fresh layer of butter. Now, add a few toppings.
If your mouth waters after hearing that description, then melt is for you. If you are experiencing a gag reflex from the thought of all that cholesterol, then steer clear.
Now, take that beautiful, extremely buttery piece of toast and toss it into the deep fryer for a few minutes. That's the Monte Cristo. I actually feel sorry for my friend for accidentally ordering that.