Since both phones are only available from second hand sellers, I'd just find a good, used 950. The 1020 that I had never lived up to my expectations as a camera. My main gripe was that it was super slow. I also never got the super crisp shots that I saw others posting, but that was probably user error. The 950's camera, while behind the 1020's on paper, is a very good, speedy camera. I never had issues with it doing its thing.