Since my old Handspring Palm Pilot is still working, I ran the Bronica RF645 65mm through pCAM software at f4,0 and a close focus of 1m. This would give a mid torso upper body image, and not a headshot.
DoF = 77mm at f4,0 and 1m distance
Then I plugged the 100mm lens through pCAM software, with close focus of 1,2m and using f4,5 aperture. This would give a shoulders and head shot, much closer appearing than the 65mm.
DoF = 51mm at f4,5 and 1,2m distance
If the 65mm went to f2,8 or the 100mm went to f2,8, then the results would be as follows:
DoF = 54mm on the 65mm at theoretical f2,8 and 1,0m distance
DoF = 32mm on the 100mm at theoretical f2,8 and 1,2m distance
That's pretty shallow for many images. I think a bigger issue is that the Bronica RF645 is simply not a headshot only camera, unless you want to crop the shot. Cropping would still leave you a bigger piece of film than using a 35mm rangefinder, though some people never consider cropping.
Just to complete the comparison, a Contax 645 SLR with the 80mm f2,0 lens will close focus to 0,7m, though in practise it is a little tough to use under 1,0m distance from your subject. Anyway, that will give a tight head and neck shot of a subject.
DoF = 12mm with the 80mm f2,0 lens at 0,7m distance on the Contax 645 SLR
So if you want to do tight headshots, then get an SLR, or become comfortable with cropping on a rangefinder image. I think the bigger issue is not that the aperture does not open large enough, I think there is more of an issue that the RF645 will not allow focus closer than 1,0m distance. The 100mm lens for the RF645 would need to focus down to 0,85m to match the tight headshot of the Contax 80mm, and the 65mm would need to focus down to 0,5m. All good in theory, though even when you are working with trained talent any distance less than 1,0m is really not a comfortable working distance. This is when even longer lenses make a better difference.
Anyway, I rarely have ever done tight headshots, and I really have little interest in that sort of portrait work. I would rather show more of a person, and some context for their environment.