Have not used a 650, but I have used and continue to use a 640. Camera is good for the price, but not outstanding. It is definitely better than the 520 camera (which I have owned and used extensively). One of the issue I am facing with the camera is that the W10 camera app (or is it firmware?) seems to prefer higher sharpening than in the past, meaning jaggy edges on things and images that look good on the small screen but not when you move to a bigger screen. My default camera app is still Proshot, which is due for a W10 update fairly soon. Proshot seems to provide less sharpening, richer images (due to more exposure), and a better look when enlarged--not necessarily when viewed on the phone screen. However, the current version of Proshot is laggy and sometimes fails to save the shot taken, plus for some reason it is slower to upload to OneDrive. If you're in the USA I think you can still get 640s for under $30 at BestBuy so you can try one out for very little investment. There is nothing that can touch it at the price.