Not the 1020 but our son has the 520. Rated highly, good value and a decent camera.
Not as intuitive to use as an iphone, but then it costs a fraction of that of an iphone.
Nokia phone + Windows OS = recipe for disaster. Both really lagging behind their respective competitors.
Galaxy S4 Zoom might be a good shout for you. Camera may only be 16 megapixels but has 10x optical zoom and you can get it with a free tripod (if you're that way inclined..) here.
Do you know I am selling a Lumia 1020 on ebay right now, lovely phone but a bit big in the hand for me. Amazing camera. I won't be rude and put a link up but I can supply if needed.