I've had my 1020 for a few weeks now and absolutely love it. Let me qualify that statement by saying that, like rick_reno drinking the Apple Kool-Aid, I am pretty heavily invested in the MS ecosystem (Surface tablet, SkyDrive, Win8, etc., etc.) and have been using the Windows Phone platform since version 7.
The camera is fantastic, especially when coupled with the optional camera grip. So much so that I've started leaving my 40D at home. The flexibility of dialing in settings manually is also a plus, though I use it rarely. Now, does it produce DSLR quality images? My gut says no, but it may just be a perception thing. I think the next time I do a shoot, I will take a few shots using the 1020, mix up the images, then see if I can tell a difference. A quirk that isn't discussed much is that you'll need manually extract the high resolution file from the phone, even if it's set to auto-synchronize to SkyDrive, by plugging it in to your computer and using File Explorer. The AT&T Locker app does upload the full sized file to their servers, but it's a slow and clunky process.
Here's a full-sized image I took at the Cajon Pass/Mormon Rocks the weekend after I bought it: https://app.box.com/s/5frwzi5lgqgas538tf4t
Yes, the app store isn't as well stocked as iTunes or Google Play, but isn't too shabby either. There are plenty of 3rd party solutions to things like Instagram (Instance) or Vine (6sec) where there is no official support.