I saw in my country 820 isnt so expensive... not cheap but not expensive. but it looks a nice phone.
if I liked enough having cellphones and such and I cared so much about phones, I would grab a 820.
its not unibody so you can replace battery easily, change color, get a wireless charging case.m
its 8gb, but you can put a sd card!. so that would be sweet for a person with a lot of pics and music and blabla. if I haven't filled my wp7 with 16gb, I don't think I would fill a 40gb+ phone.
maybe it doesn't have the camera tech from later nokia phones but its a great camera, maybe not like 920 but still you can find examples of the pics and they look nice!
Nokia Lumia 820 Low Light Camera Samples
some people think it would be fragil for not having gorilla glass, but it has another brand screen protection. I don't know if its better but I heard mixed results. my sister got a wp with gorilla glass and it scratched in a week, she cursed it because she didn't get the screen protection for being "gorilla glass' and seeing videos about people using it as a hammer and all that BUT I heard a person said 820 didn't scratch with a lot of stuff on his pocket after a month.
820 has 2 HAAC microphones, and that would make everything nice if you want to record in a concert and such. I saw a video last time with someone saying how amazing 2 mic were, and it was true.
one good thing its that it has 1gb ram, so you wouldn't have problem with games and such, and it has a good processor so its not like you will have to change your phone in a while. 8.1 is coming soon and it will make the phone even better, just like gdr3 update will...
oh also it has front facing camera, so while being cheap it has one. I saw cheaper phones without it and it can make the experience better, especially with Skype getting better and probably integrated.
there are a lot of good point to grab an unbranded 820! so if you can, I would go for it, obviously if you don't find a better phone for a better price!
I kinda want to buy 820.... but I might just spend money in something else, im not crazy about phones but 820 surely moved my feelings a little. it looks pretty and such! so maybe I will get it as well. I should have robbed it from the store! so I would tell you better how it feels, like using it for days and days, its not the same than couple minutes in a store. but it looks like a great phone!