I'm not sure about the answer, but I'll take a stab at what he's asking.
Using the camera settings, is there a difference between taking a pic at 1280x960 and taking one at 640x480, using the same camera if they both end up at the 640x480 size?
I really don't know. I don't take them at 640x480 because one day I just might want a bigger picture.
