The flags that include some kind of a complex coat of arms or graphic design are usually ugly. Montenegro's flag is maybe worst. The coat of arms looks scary, like it's the emblem of some orcish dark country. The color scheme is also ugly. And the 2:1 aspect ratio looks dumb. Sorry my montenibbas...
I think all flags should have some standard aspect ratio, like sqrt(3):1, sqrt(2):1, (1+sqrt(5)):2, or 3:2. Switzerland's flag is also dumb because it has a 1:1 aspect ratio.
16:9 (1.777...) is a pretty good aspect ratio because it's close to sqrt(3) (≈1.732). However I think the standard aspect ratio for flags should rather be based on some more fundamental number (like sqrt(3)) that does not involve arbitrarily selected large integers (like 16:9). For the same reason ISO paper sizes are cooler than American paper sizes.
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