I agree, 1020 turned out to be a big disappointment. It looked so good on paper, 41MP, OIS, BSI, 6 lenses, etc... I would've seriously considered it, despite Windows Phone 8, but reality turned out that 808 blasts it in quality. I was disappointed when I found out it had a smaller sensor and knew it would not live up to the hype.
Ever since Nokia switched to WP, their camera quality has been garbage. Just very unpleasant images, grainy, noisy, very rough textured, strange fuzzy edges, colours all over the place, over-processing. It's like they forgot everything. The algorithms they had on Symbian were much, much more impressive.
Show me a single 1020 sample that looks like this...
http://storage0.dms.go4it.ro/media/2/84/2012/9576463/3/6944338282-df901b57b6.jpg
The above image is a 808 sample from when it was announced, look how smooth and soft that image looks, very detailed, yet completely smooth with no grain, no noise.
Here's another, lower light, yet the same perfectly smooth, noise free image quality.
http://www.esato.com/phonephotos/cam/nokia/808_pureview/201307102047vwIh1r.jpg
More,
http://cdn.gottabemobile.com/wp-content/uploads/2012/08/Nokia-pureview-808-review-5.jpg?dur=1007
http://www.esato.com/phonephotos/cam/nokia/808_pureview/201307060749j0PV2J.jpg
http://www.esato.com/phonephotos/cam/nokia/808_pureview/201307051703rv1Gl2.jpg
I don't know what Nokia was thinking with 1020. Here's a 5MP sample...
http://www.nokiapoweruser.com/wp-content/uploads/2013/07/nokia-lumia-1020-pro-17.jpg
It looks totally average, with artifacts, noise, grain and overall very artificial compared to 808. The beauty of 808 was that at 5MP, you could go 100% zoom and the image looked incredibly smooth. 1020's 5MP is like any other phone's.
Here's an image of New York from 1020,
All sizes | Untitled | Flickr - Photo Sharing!
That's sweet... now look at 808's Dubai,
http://static.panoramio.com/photos/original/81189830.jpg
At 100% zoom it looks much nicer and more pleasant and less processed than 1020.
Bottomline, 808 is better, much better, 1020 is just an improved 920, in 1020's case, 41MP IS a gimmick. And since Nokia is asking so much for 1020, it's absolutely not worth it. It would've gladly taken a few more mm of thickness but 808 sized sensor, maybe even bigger.