It's not a cropped image if the image circle of the lens is designed for a given sensor or film size. ;-)
Yet, you will still have angle of view differences based on the size of the film or sensor for a given focal length lens.
Yes, the final image you view is going to be enlarged to a given image size for viewing. But, as long as the sensor is not outresolving the lens, you're fine with digital, because you're able to increase pixel density (although we're probably getting close to a point where we'll level off in the rate of increase).
With film, you have more of a difference between smaller and larger film formats in final output quality due to increasing resolution with surface area.
So, by using 645 format film, where you'd have a wider angle of view for a given focal length lens compared to a 35mm camera, you get more benefits from the larger surface area of the film from increased resolution.
In any event, I don't look at it as a crop, since you have angle of view differences between film and sensor sizes for any given focal length, and you have lenses made with image circles designed for specific film and sensor sizes.
If you use the samefocal length lens on a model with a larger sensor or film size, you have a wider angle of view.
If you use the same focal length lens on a model with a smaller sensor or film size, you have a narrower angle of view.