Everyone is talking about the rear camera, but I've tested the FFC today, for Xmas lunch. Awful. I own a 535, so I know what the 5MP FFC is capable of.
And I've just made a test: took myself with 535 and 950 with windows camera. The result is more natural on the 535! 950 shot is way too softened, when 535 has more details. It looks like a 1MP shot! Even the test I made with my office 5S is better (and the iphone FFC has a lot less MP than on the 950). So it's clearly a problem at algorithm level (or firmware).
With the main camera, the automatic mode is quite inconsistent. As for the FFC, setting the ISO (when indoors) will capture better shots. But then, I bought the 950 because it's snappier than the 1020, and that I should be able to P&S in auto mode.
I hope MS fix this in next builds/app updates. There's a lot of feedback in the feedback app about this.