Ok so I'm new in the forum and I'd like to give you one more opinion (if you haven't decided yet).
First of all, I'm from Buenos Aires so my english may not be the best. Excuse me for that.
With that being set, let me tell you about my experience with the 1020. I bought the phone exactly one month ago for ARS4000 (about USD470). Electronic devices are a bit expensive here. Previously owned a Nokia N8, a real legend that's been with me for about 3 years (and still working perfectly).
Why did I choose the 1020 instead of, for example, a Galaxy S4? Well, because of the camera. This thing absolutely OUTPERFORMS anything out there. I compared it to an Iphone 5, Iphone 6, Galaxy S4, Galaxy S5, Galaxy Note 3, Moto X, LG G2, Xperia Z2, and guess who wins. Of course. In every aspect. Every other phone may take 20 photos while my 1020 takes only one, but put those 20 photos together and mine is still better. It takes a while to learn to control it, but once you know how to use the ProCam app, results are amazing.
Oh, I almost forgot. It does not need a million of cores, even with two cores it can run smoothly and manage with several apps at the same time.
Cons? Well, the lack of an SD card slot, but the 22/23GB are enough, at least for me.
Every Lumia with WP will satisfy your needs. They are amazing phones, and Android fags know that. Your friends will hate you when their Android devices freeze and restart while your Lumia stay in mint conditions for several years.
Now go to the store, take a picture with the 1020, smile, flutter, and then buy it.