thats the whole point in the discussion here, 1020, 1520 only satisfy a certain niche, general public wants to take out their phones click a pic n they want the pic to look nice thats it,if somebody takes a picture with 1020 and complains about bad image quality, justifying it by saying u screwed up iso or white balance so its your fault not the phone's technically u may be right but not practically.
Let me tell you I hv never owned any iphone and love nokia pro cam for the control it gives me but from the reviews n cam samples I hv seen of iphone5s, it has got a very very good camera and it does exactly what a common non photographer person expects from a photo.