Looking at the specs of the A640, I start by noting that the sensor crams 3648 pixels into 7.2mm (the long dimension of a 1/1.8" sensor) - a pixel pitch of 2 microns. Frankly, such tiny pixels are just pointless. The small pixel area means that each pixel is collecting very few photons especially when using the camera at higher ISO settings. This will give rise to noisy images - and some of the noise will be due to the effect known as photon shot noise, which is an unavoidable consequence of the physics of light. The small pixel volume limits the maximum dynamic range that the camera can capture as well, and also reduce the accuracy with which colours are captured. Moreover, at anything other than the f/2.8 wide aperture at widest zoom, the image will be diffraction limited - so even if you were using the finest Zeiss lens ever made, you won't get the benefit of the sensor resolution. Someof the issues are nicely explained with some excellent examples and calculator tools here (the other tutorials are worth a read too):
http://www.cambridgeincolour.com/tutorials/diffraction-photography.htm
http://www.cambridgeincolour.com/tutorials/noise.htm
In short, the 10MP specification has been chosen for marketing reasons, and not for reasons of image quality. Dollars to donuts you'll be getting MUCH better image quality from your D70, despite only having 6.1MP.
Incidentally, I think that the "good glass" idea is not entirely correct. A very fine grain film such as Tech Pan far exceeds the resolution capabilities of even the Nikon D2X (the current DSLR pixel density champion), so flaws caused by the lens would be as noticeable or more so to film shooters testing lenses for technical performance. Often overlooked is the influence of the optics that sit immediately in front of the sensor silicon - the anti-alias and IR filters and the microlenses. These can cause light to bounce around in ways that reduce image quality, meaning that some lenses perform noticeably less well with some digital sensors than they do with film. Re-designing lenses and adding additional anti-reflective coatings to rear elements (not needed when shooting film) can reduce these artifacts