You have the age old question of what are you shooting?
There are differences between the two camera bodies. The K10 is a CCD sensor while the K5 is a CMOS. The 645D has a CCD sensor. Here is a quick comparison.
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- Do you need the additional 6MP? - Do you crop a lot? If not then probably not.
- Would the dynamic range show better on the K5? Probably - I moved from the K20 to K5 and yes it did.
- On long exposures - random pixels? Hot pixels will appear in all sensors, and post processing utilities will fix them. Pixel mapping will also remove dead pixels in the camera.
I do a lot of ambient low light shooting and the K5 is terrific. ISO 80 and the dynamic range are excellent. On the other hand, CCDs have a nice image to them, are low noise, and 10MP is pretty nice.
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Note - I started with the K100 when it first came out - what 6 years ago. Its a 6MP CCD and I have kept it for the sensor and size, however I really do not use it that much. When I was able to get the K5 for a good price, I sold my 3 year old K20, since it was the newest and had value, but also, since the K5 is a CMOS sensor, I wanted to have access to both type. I was looking at some images from the K100 the other day, and they are excellent, even though I am use to the K5's resolution.