Went out and took some pictures with both my 950 and 1020 in order to compare images.
-The most notable difference is the speed of the camera on the 950, its fast even when saving the DNG image with it. Also, the launch time of the camera and opening the photo gallery from the camera app are all much quicker.
-The next thing that came quickly apparent was that the 950 is much better in macro (very close up) shots. With the 1020 I keep moving the camera back, little by little, and pressing the shutter halfway to see if it will autofocus on the close up object. I wind up having to take the photo from farther away and then zooming in or reframing the photo. The 950 just worked and focused well on close up objects.
-Also, big difference in the quality of the front facing camera. I rarely use the FFC, but tried them out and the 950 is much better.
-Also soon noticed, the 1020 has a wider field of view than the 950. Not sure how to measure it exactly, but coming from the 1020 it was noticeable right away that I could capture a little larger area with the 1020 than the 950.
-Was surprised how different the images looked sometimes between the two Lumias. The 950 seems to have a pretty high sharpness setting, especially when zooming in at all the edges quickly become more jagged. However, when opening the .png images the photos don't suffer from the same over sharpening as the .jpgs. So at least that's a workaround.
-Didn't really test it much, but seems like the lossless zoom by reframing and zooming in on the 1020 works better than zooming in on photos with the 950.
-Software is a little different so still adjusting to 950 camera app. Though honestly, it took me a long time to adjust to the 1020 as the different, but similarly named, camera apps were tricky to keep straight.
-Have noticed a few times accidentally triggering the camera shutter button, it's much more sensitive than the 1020 button and doesn't take much touch at all.
-Did not get a chance to compare low light shots yet, so I'll have to get around to that.
I still need to spend more time with the 950 to make a good decision about it, but so far I think it's pretty good. The photos come out sharper, but that's negated by using the .dng format and isn't that noticeable unless blowing up or zooming in. Any minor drawback in overall image quality (if there is any) would be a fair trade off for how much quicker the camera is and the ability for better macro shots. The more square shape of the 950 provides a better grip in the hand than the naked 1020 which always feels a little slippery.
Most of the drawbacks I think of are not having the camera case to add battery life, increase grip, and add tripod mount. Also, I recently started using the lanyard with the 1020 and actually like it there. The camera button does feel just a bit cheaper than the 1020 but that's nitpicking. Since I haven't tested with night time shooting, unsure if I'll miss the xenon flash or not.
**Looks like only two photos uploaded, one of my watch was the 950, the stadium was the 1020, not sure why I'm having photo upload issues. I'll try again later.