1) You're right about coverage - that's the first thing in deciding on a carrier. If you have no signal, there's no difference between a cellphone and a brick.
2) It's not the camera that makes the picture, it's the photographer (and, to some extent - at least as far as what you can set - the app). Dorothea Lange could take better pictures with a Kodak Brownie than I could with a Hasselblad. As long as there's no inherent flaw in the camera don't let the camera influence your purchase. (Try
Camera FV-5 Lite on your Moto, learn how to use the app and how to take pictures, and see how "horrible" it is then. [Letting it meter on a spotlight and complaining about how dark the picture is means that you don't understand your camera app.]) I print 8X10 prints from my 3MP Fuji all the time, and they look about as good as I'm capable of taking pictures. (I'm not a photographer - any decent photographer could take better pictures than I can - with the same camera.)