I am currently with Verizon and have access to getting the Nokia Lumia 928 today, but the 1020 looks awesome from what I can see. I am guessing it will be available at the end of the year after the 6 month AT&T exclusivity period is up so I am debating waiting or not. From what I can tell spec wise the phones are very similar minus one thing. One big thing; the camera. Is the camera really THAT good of a reason to hold off? I take a decent amount of photos with my current phone (S3) and one problem I find is when I need to zoom in, my pics always look grainy and never come out right. Thanks in advance for the help.