I think its bad, to over sample an image to 5MP in order to get best picture. We don't want a 5MP crap, we want best image at 20MP resolution. So what Nokia recommends, that in order to get best picture, we should over sample it to 5MP, is not right.
Because people have been commenting on the low light performance of the 930, I decided to do a few quick comparison shots to show how important it is to manually adjust the camera settings under low light circumstances. I think this also shows that MS needs to tinker with how Nokia Camera (Lumia Camera) deals with low light on Auto.
http://i.imgur.com/Okpv173.jpg
http://i.imgur.com/5I74z7r.jpg
http://i.imgur.com/PrOnZnv.jpg
I don't think theses exposure times are good for auto values. Pictures with high exposure time at night are better, much better, but it's almost impossible without a tripod or something, at least for 90% of people. "Sadly" auto mode need to be easy.
http://abload.de/img/wp_20140920_20_20_04_a1u1y.jpg