I am not a photographer, I became a fan of taking photos when u got my 920...I never cared for taking pictures before owning that phone. Since the 41mp is super high quality I just assumed it's worth an option when considering coming back to WP.
I only use my phone to browse the net, read news, text, call(rarely) and photos...I can love without all the apps, I thought I needed them but definitely do not.
One of the primary problems when people want a great tool are the people and their expectations. After all a camera is just that: A tool to create pictures and just like other tools it doesn't let miracles to happen if the user doesn't really know what he is doing. Give me the best set off brushes, the greatest oil colors and the finest canvas: I still would stuck painting a nice picture.
Now don't get me wrong, I don't want to make the 1020, let alone yourself as a person look bad. However around here I've already read a couple of threads where people got biased but some very nice shots taken with that Lumia and they were highly disappointed after they got the phone. They thought, or so it seemed to me, the phone would do all the work and they just have to press the shutter to create similar images. It is similar to more professional digital photography forums where some people just bought DSLR and fitting equipment worth a few thousand bucks and they were so disappointed because they still couldn't produce better pictures than they used to with their older pocket cameras.
Personally I've been not as impressed as I thought I would be after using the 1020 a couple of weeks. Especially the zoom in later works not as well as I hoped. Maybe I expected too much, but the two sample images which came on the device draw a different picture than the actual photos I took myself with the phone. Detail comes out less nice compared to the samples after re-zooming.
I'd say you can create nice and stunning shots with almost every kind of camera out there if you know how to use it and take advantage of the strengths it has to offer. For example I've seen great pics taken with camera which usually got rather mixed reviews.
Last but not least the way we look at photos has changed along with the way we take them. I'd say most photos nowadays are viewed with mobile devices on relatively small screens, screens which simply make some bad technical issues like noise less of a problem compared to larger sized desktop screens or prints.
To finally make a long story shorter: The key strengths of the 1020 camera module are the large sensor, the rather powerful Xenon flash as well as the high megapixel count. The later gives you more flexibility when cropping the photo later on and/or allow for larger sized, an option which I really like for example.
Previous stand alone points, like the Nokia camera app with all those manual settings, have been ported to other Lumias already. For example the 920 also offers all the manual controls the 1020 introduced.
In the end it boils down whether you're willing to spend the money or not. As already said, you can't do anything wrong by choosing the 1020, especially if you don't need the latest high-end hardware internals stone are proclaiming here, yet it simply won't make any photographic miracles to happen. It is still a learning process you'll need to be willing to go through.