To me, the answer is "it depends". I have owned both and their strengths are very different. Both give wonderful results when used to their strengths.
The 645D has a CCD and, to me, gives the better colours out of the box (especially the reds) and - though this is subjective - produces results that feel more film-like in quality. Hard to prove some of this, but it's kinda like vinyl versus CD; not a purely technical difference but one that you 'know when you see it'.
But, the 645D is an old camera now (in digital terms). It's slow. Noise at high ISOs is not great. Frankly, though the medium format feel is worthwhile, you can get more modern FF cameras that outperform it technically in lots of ways.
The 645Z is a technical improvement in many ways. Apart from better resolution (not a massive difference in many situations), there's loads more dynamic range as a result of the CMOS sensor. Noise at high ISOs is superb. The camera operates much more quickly (which makes it a star trail beast for me - which the 645D never was). The results feel more "digital". The colours are good but, in my subjective opinion, need more work to give pleasing reds and somehow never quite look like 645D reds.
So it's horses for courses. If you put your camera on a tripod, shoot slowly, using low ISO, don't worry about speed, etc. etc. then the 645D will be fine and you may not care about the benefits of the Z, especially if you like the D's colours - though I am not sure that in 2021 it wins against many other options. If you want high ISO, faster shooting, better dynamic range, a bit more resolution and don't care about the colours, then the Z is for you.
That's my experience anyway!
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