So the name of the game here is "adaptive oversampling" according to an e-mail from Elop himself.
The reason why there is more noise than the 808 in daylight photos is because they don't use as much of it during the day, so that they can get a bit more sharpness out of them
This is also why those night shots look so good.. because oversampling is working at full capacity.
Stephen Elop on Nokia Lumia 1020 adaptive oversampling and image quality (vs 808) more controls in future updates : My Nokia Blog
"The oversampling in 1020 is much more advanced than in 808. In 1020, the oversampling is adaptive so that we prioritize the high amount of details in bright light, and we prioritize the low noise in low light.
This means that in bright light our 5MP images have higher sharpness and bit higher noise than 808. On the other hand, in low light our images use similar low noise tech. that we have in 808. The background for this implementation is that the subjective image quality tends to be limited by sharpness in bright light and noise in low light.
While we believe that this is exactly the right thing to do, I have also noticed that it has caused some confusion among the users. Naturally the parameters are fully tunable in future software updates if needed.””
At least now we have an explanation from Nokia on the noise thing. I think there is more to it than just the oversampling algorithms, but at least they acknowledged it.