Aquamail for Android does all that.Not too keen on camera. After all I'm coming from BlackBerry!!
Main requirements for me are a very good email client that's on par with BlackBerry. None of the android phones are that good with emails. I've multiple email accounts Gmail, iCloud and exchange. I need all of them in one all mail view ( hub on bb10 is so good!!)
Browsing is better on Android, since there are many browsers available. You are not limited to Chrome. Windows 10 Mobile is limited in terms of browser options. Antenna/signal is going to vary, based upon network. It's really subjective.Plus a good messaging app, a very good phone with a good antenna for with no signal issues (I use the phone extensively for calls) and browsing
What bank(s) do you use? Banking apps, especially in the US, are limited on Windows 10 Mobile.Not a big fan of apps other than some banking apps
Do you have any price range that you are looking for?How's the outlook on Windows? Does it have the all mail view? It didn't have it last time when in checked
Lumia costs almost twice as much as HTC (which is a lot cheaper on Kijiji). But it's not a big issue for me .
