The Lumia 1020 takes pathetically slow pictures. 41MP is pretty useless if you can't actually get the shot you want. Photography is all about opportunity, not the comparatively pointless megapixels. Burst mode is near impossible. I tried out the Lumia 1020 at the store. It takes a good 5-6 seconds for the cam pro to boot after holding the button. Then when you snap a picture it doesn't have the fastest autofocus, and will take a second to snap. Then the camera is literally stuck for four seconds and you can't do anything while its processing. So forget about snapping a lot of photos in succession, or if you miss that moving subject the first time around. Go checkout the slashgear review of the Lumia 1020 for a visual demonstration of its lagginess.
Nokia Lumia 1020 Review - SlashGear
If you use the regular WP camera app, which takes 5MP shots and you can just tap on the screen to snap a photo, it is still noticeably slower than last year's phones like the Galaxy S3/One X. Forget about it ever reaching the same speed heights of this year's HTC One/Galaxy S4. This is an extremely large flaw of the Lumia 1020. Nokia chose to release the phone now instead of a few months later even though WP can only support last year's dual-core krait phones in the latest update. People can circle the issue all they want by bashing the HTC One's 4MP camera, but the truth is if Nokia had the 1.7ghz quad-core snapdragon 600 in the HTC One (which was released months ago BTW) or even the faster 1.9ghz of the Galaxy S4 (also released months ago), the Lumia 1020 might actually be able to do burst mode at 41MP, or at least take pictures that don't take 10 seconds between shots.
If you are not too concerned about being able to zoom, and want a camera that performs well in all lighting conditions very quickly and very consistently with no hassle, then keep the HTC One. The camera is only 4MP, but that's all you really need. The Lumia 1020 even defaults to 5MP and you can only share the 5MP shots. The 4MP of the HTC One uses very big "ultrapixels" that take great photos in their own right. It's also a great phone with bleeding edge tech, Android with the biggest app ecosystem and customizability, fast performance, unsurpassed speakers, has a bigger screen and smaller body, is well built, and is way cheaper than the Lumia 1020 (you'll be losing money switching).
The HTC One is a better smartphone in almost every way. Unless you care about minute details that require lots of zooming and fine comb analysis, which I don't think you do, you are getting a big downgrade in all respects. Move along.