You could simply update the 640 you already have to Windows 10 Mobile. The process is explained here, amongst other things:
Microsoft Lumia 650
Hello Microsoft community, my names Ryan and im thinking about buying a "Microsoft Lumia 650" later this week. I need a little help from someone that knows more about these phone than me. Will I be able to play "Halo Spartan Assault" + "Halo Spartan Strike" to date? About half a year ago i brought another Lumia 640ish (forgot name) it had Windows 8 and I learnt the store closed down shortly after I brought the phone, I hope not to make the same mistake with Lumia 650 as it states on the Wikipedia it has Windows 10 (the 650). I only wanna unlock and have the achievements registered onto my Xbox profile this is the only reason I wish to buy Lumia 650. I appreciate the help and enjoy the rest of your day! If helpful more info: Microsoft Lumia 650 16GB 8MP NFC GPS 4G Windows 10 Unlocked Smartphone.
Windows for home | Other | Devices and drivers
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Anonymous
2020-07-13T14:33:57+00:00 Oh thank you for sharing but I no longer own my 640 that I had. My old laptop is Windows 7 (im using now) if it would work. I dont use these often, Thank you anyway!