Once again The Post is advising Montgomery County voters not "to hamstring every official with restraints on his or her best judgments" by voting for a cap on property taxes {"Just Say No -- Four Times," editorial, Oct. 25}. The Post seems to forget that tax-fix movements started because many citizens believed property taxes were rising too rapidly and some public officials were being influenced by developers. The primary election results in Montgomery County clearly show that many voters want to change this.

The "best judgments" of our elected officials have brought us overdevelopment, traffic congestion and the prospect of property taxes so high that some citizens aren't sure they can continue to afford living in the county.

Earlier this year, the county council commissioned a study to look for ways to improve efficiency. The Commission to Review the Efficiency and Effectiveness of Government made a report the other day recommending that the county hire outside consultants to do six studies (no mention of cost), and they will study 17 other issues. They won't produce a final report until December 1991. Meanwhile, county officials have announced a budget shortfall of $68 million in 1991 and $145 million in 1992.

Smart voters in Montgomery County realize they must choose the best of the four tax limitation questions to avoid legal tie-ups and ensure effective restraint on their elected officials. They will vote yes on Question F. They can't afford to take The Post's advice and "leave all financial options to a simple majority and let every council member accept all consequences next time at the polls." By that time the county deficit might be as big as the state's.

W. A. KOCH Potomac