JV, I don't think the comparison between an RZ33 and the H4D-40 is apt. They are very different cameras. The H is a smaller sensored AF electronic camera designed to compete with the D3X while the RZ is an RZ, with spectacular lenses, and bellows focusing, etc. Don't get me wrong, the H4D is fantastic. ISO 800 is nice, really usable. TrueFocus really works. Phocus is OK. The RZ is a differnet experience, more like using 6x7 or 6x6 SLR than a 645 AF cam chasing the Nikon and Canon.
I would also point out to those shooting fashion, beauty and portraits that the fantastic 100 2.2 H lens, used or new, costs more than the entire RZ lens line, purchased used. So the price point analysis is a little off once you consider accessories, like lenses and lens hoods etc.