i say go for the 1020, its a gem of a phone! - i have a 920 and a nokia 808, and always wanted the 1020, but couldnt justify it based on the two phones i have, i have used one for half a day post black and was impressed with the photo quality more than i thought i was going to be coming from the high bar of the 808
someone said above that people expect the 1020 to create the great shots for you, i agree and disagree with this sentiment...
that correct that there will be a certain element of settings/knowhow to get the very best out of the unit, but myself, who is an absolute layman at taking photos, and any advanced settings on a camera are alien to me, however, i have some shots in my archive taken from the 808 especially, which are stunning
you might ask if i am a layman why i have two fairly camera centric phones, well, thats the point, nokias lineage of phones (and admittedly, the iphone 4 some time back) enthused me to take photos via mobile phones, its great fun, and as the old addage goes, the best camera is the one you have with you!
so, if i can get beautiful shots from the less user friendly 808, then the 1020, with its OIS and shutter speed will be very adept at automating a great shot even for the most novice user to some degree
apart from the legacy 808, the 1020 has the largest sensor in the cam phone market, so i think that in itself is more than enough to futureproof you for a few years, i cant see them outdoing 41mpix in the immediate future