It's a bit of a silly, very old, question.
In terms of sharpness and colour, it's game over in favor of the 100mp back. And economics too, despite that high entry price.
If, however, you prefer the look of 4x5 photography, and I'm not talking some grainy hocus pocus here, but the fact that your standard lens will be 150mm and a portrait lens 180/210mm, which will give you a very specific look you cannot get with 645 mf, then you should do that. If you are the sort of person that prefers that slow, careful construction of a photographic moment with a view camera, then that's it, you must choose that. It's a very good and valid reason. But if your are talking about resolution, and happy with the MF type camera, and it's style of photography, then the Phase option wins, hands down.
Good luck.