Ok, some will find this an odd move. But I came from a Lumia 1020 to the 640XL. (due to the fact the 1020 had to be repaired which took too long to not get annoyed/frustrated by iOS on an old iPhone 4S
).
Due to the fact that the 1020 lacked from failing storage memory the findings might be a bit biased. The 640XL is faster. Animates smoother. And sure i miss the 41MP camera, but the 13MP on the 640XL isn't bad at all (especially in macro shots), but having a camera app that opens in a split second is worth a 28MP loss if you get the camera ready in time for the right picture.
What I like also is the size. I always thought that the 1020 was big enough and any bigger would be awkward handling and storing it in jeans pockets for example. But I was wrong, the bigger screen is just a bliss, and my hands are big enough to do most operations still one handed. The lack of the camera bump (as on the 1020) makes it still storable in pant pockets (just be aware of it before you sit down).
Using it as my daily usage phone for 2 months now, I never considered going back to the 1020. Main reason: battery life. Medium to heavy user myself, it is a bliss to have > 30% battery after a day of work, instead of walking around with a charger/battery pack to make it through the work day.
The only cons I can think of:
- Missing hardware camera button (compensated by left - bottom medium tile on my (visible) homescreen)
- 8GB internal memory. Ok with a class 10 64GB SD I got more memory than the 1020, but with it gives some more storage maintenance (after installing new apps)
Yellow was my black, Cyan is the new black.
P.s. having used a 520 for work on WP8.0 and WP8.1 the step up to a 640XL is an excellent one if you care a bout budget and specs/buck.