I was seriously considering getting a Lumia 1020 purely because of the camera, which gets rave reviews everywhere.<p>I was even willing to abandon Android and put up with the Windows OS. But unfortunately, to buy it unlocked would cost $600, and the only carrier that was subsidizing it was AT&T, which I have sworn off.<p>In the end, I got a Samsung S4 Zoom. Its camera is second only to the Lumia, it's got a great xenon flash, I get to stick with Android, it cost only about $350 unlocked, and it works on a GSM network MVNO, so my cellphone bill ends up being $40/mo., instead of $85/mo. on AT&T.