Oh this thread's still running?
Anyways what I am going to say having observed many of the responses you guys have given, is that many of you do not know much about photography. No offence but you need to read up more on it.
I'll admit that my knowledge on photography isn't complete either. But many of you keep going on to say the same thing, MEGAPIXELS* MEGAPIXELS* on and on...
Simply put if megapixels we're everything wouldn't that mean the Lumia 925 and iPhone 5S/iPhone 6 have the same type of results? In short, they don't. iPhone flat out beats it.
The OP should have specified that "he" considered the iPhone the best cameraphone for him, and not say it was universal.
But from the points you have read from the OP's post you can at least conclude that the iPhone is the best cameraphone for the majority of people, while 1020 would be for the enthusiasts.
Simply put the way people take photos is that they go someplace, take out a phone and take a few photos in a few seconds of themselves. They just need a camera that works, and works fast and accurately. Not one which can either screw up your shot or make it look great depending on how fortunate you are with the software.
Also RAW shooting is something which enthusiasts would do, not the general population that buys a phone for photography.
The 1020 has a great camera, no doubt. But read some comparisons and on "Auto" mode, the iPhone usually beats it in most real life conditions such as portrait shooting because of more natural colours.
As far as those people here who say that their 1320 is comparable or any other, simply put it isn't. Apple's DIS is on a whole new level, often being compared with true OIS especially in video, all things aside the iPhone does beat most(if not all) 8 MP and below Windows Phones, anything above that is debatable and based on preferences.
Also some of you need to learn the difference between an iPhone 5 and 5S, also the difference between traditional LED flashes, dual LED and Apple(and HTC) amber and LED flashes.
In short, there is no right answer to which smartphone is better for photography, it depends on your preferences.