I'm still using the 808. I've thought long and hard (probably obsessively so) about moving to Windows Phone to have more current apps. For me, the 808's camera is superb. From what I can tell from samples online, the 1020's camera isn't quite as good, but it's very close. I think I'd be happy with the 1020's camera.
The key reasons I haven't switched yet:
1. No automated sound profile switching (a la Situations on Symbian)
2. Poor music handling on WP, especially with models with SD cards. I need to have 80GB of music, and the unfixed duplications of tracks bug would drive me nuts. (See entries on this forum and on Microsoft's customer service forums). It seems that MS has known about this bug for over a year but hasn't fixed it.
3. A claustrophobic feeling when I use some WP apps. (I've spent a lot of time with my wife's Nokia 521). I feel like half the screen is given over to unnecessarily big fonts, but I might be able to get over this.
4. WP doesn't offer the ViewRanger app.
5. WP doesn't have any bridge game apps.
6. WP doesn't have a file manager.
7. It seems like users have to invent all sorts of work-arounds to do what they want to do, due to MS's intentional limitations of WP. (E.g., unable to attach arbitrary files to emails).
8. System-wide volume control. I know this is changing soon, which is a good sign.
Symbian is dying a slow death. I do miss the recent apps, and feel like I'm missing out a bit on the app scene. I'm not a gamer (other than bridge), so I don't miss those, but I do miss Netflix, streaming ESPN (which WP doesn't do), local banking app (which WP doesn't do).
Mostly, I really want to move to Android, where every app is available and all the system tweaks are available, a la Symbian. But I want a camera on par with the 808.
I'm surprised that the rest of the world (e.g., people who don't read these kinds of camera-centric forums), seem very pleased with their smartphone cameras. I didn't realize that I was a camera snob until recently, when I realized how happy people were with their blurry photos.
My dream? Nokia releases an Android equivalent of the 808/1020. Or perhaps Sony finally makes a Z model with a decent photo algorithm and xenon flash. Or MS relents a little bit and allows developers to have access to more low-level APIs so sound profile automation etc. can be made possible on a WP device, and MS fixes the media management oddness and bugs of WP.
Maybe I need to start my own phone company to do so. Unfortunately, I wouldn't know much about how to do it.