Do not buy a Lumia 1020 on impulse.
Do not make the mistake of adopting a mobile OS because of one phone or feature.
Read the reviews, look at comparison photos (but consider the fact auto-everything was used) and play with a phone in the store. Fact is, the sun shines on a dog's *** once a day. Your Lumia 1020 could be the greatest thing since sliced bread or a lemon. You have to try it first to see if you like it. Get the camera grip so you are "all in" with the experience and take several hundred (or thousand) photos with the camera before you dismiss it. I don't know of a single smartphone camera that turns you into a professional photographer, but at present there are many options out there that are capable of producing quality, printed photos. Bring in a reference object to the store and take pictures with an iPhone 5S, Galaxy S4 and the Lumia 1020. In your opinion, the Lumia will either win, hold its own or not be worth the hype. Then consider other factors like size/weight, ease of use, etc.