You can use any of the BlueChart or BlueChart G2 charts on the unit. The preloaded charts aren't locked per se, but they're built into the ROM on the unit, so not transferable either. The 640 is basically a brand new unit, and I doubt anyone has gotten their hands on it for a review yet.
One thing I'm not crazy about with the 640 is that it relies on a touch screen. If you're sailing in colder weather and wearing gloves, I doubt it will respond to you properly. I generally don't recommend getting equipment that relies on a touch screeen for a boat.
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You know what the first rule of sailing is? ...Love. You can learn all the math in the 'verse, but you take
a boat to the sea you don't love, she'll shake you off just as sure as the turning of the worlds. Love keeps
her going when she oughta fall down, tells you she's hurting 'fore she keens. Makes her a home.
—Cpt. Mal Reynolds, Serenity (edited)
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Still—DON'T READ THAT POST AGAIN.