I moved from the 920 to the 1020. My opinion is, unless you use your camera for more than posting on FB, Instagram, and generally sharing pictures from phone to phone, then wait. Obviously, there's always better devices around the corner. But in this case, the upgrade is very slight, other than the camera. Most of the other stuff you'll get on your 920 anyway with the Amber update. Yes, I think the 1020 is nicer, but again the differences are incremental. What if you use your upgrade now, and in 3 months there's a Lumia 920 update that has a quad core processor, true HD screen, etc? The 920 is a fantastic device.