So, I have found that snap&shoot pictures are pretty good outside, not so great indoors. However, if you just use the "auto-fix" software filter, it gets MUCH better.
None of those look bad to me. I guess I'm just not enough of a photo guy to appreciate a "good photo" from a "bad one." Assuming that most smartphone purchasers aren't photo people, I suspect the Lumia's camera will be fine.
Well, if you want to see "pretty awesome" - check this post from the HTC Titan thread.
http://forums.windowscentral.com/1594014-post14.htm
Now that's a camera phone... and these are taken from a Titan 1.
Just saying...