6. Camera. Seems OK. I have been using a Lumia 1020 and the Z3C struggles in comparison. It fires up quickly (which was a real problem with the Lumia) and the photos are reasonably detailed, and it performs OK in poor light, but there is a lot of noise at times. I haven't really fiddled about with the settings much yet though, so perhaps I can improve things when I have time. I've been using the camera on manual mode in the main.
I, too, had a Lumia 1020 before this - and when you're comparing photos of the same scene side by side with the z3c, the 1020 easily annihilates the z3c. No contest.
However, like you mentioned - the 5 second startup time for the 1020 camera, along with another 3-5 second delay before your next shot, really crippled the phone camera for me. per-pixel detail may excel in the 1020 over the z3c, but I've been capturing way more meaningful photos in the z3c due to its quick start-up and operation.
Also, if you're seeing excessive low light noise in 20MP manual mode, try it in superior auto mode - the 20MP->8MP oversampling should be able to remove a lot of noise, in theory..
I'm a strong believer in the saying "the best camera is the one you have with you" - and when the 1020 is starting up slowly or taking 5 seconds to write a photo out to memory - that is a camera that is unavailable to me during that lag, and defeats the purpose of "quick, capture that moment" photography. I'll take the slight hit in image quality from the 1020 for the quick, frictionless operation of the z3c's camera!

I'm no longer missing moments with quicker moving subjects like kids, dogs, awesome cars I see on the streets driving by, etc.
The only caveat I have with the z3c camera is the location tagging. I love location tagging all my photos as it makes it easy to find a photo from a long time ago by looking on a map, since I generally remember where it was taken. Unfortunately, the z3c doesn't properly tag your location into a photo unless you wait for the satellite icon to turn into a location marker before snapping the pic - this adds a ~3 second delay, which kind of sucks because I feel like I'm shooting with the slow 1020 again.
Oh, man, that 1020 detail though, it just cannot be beat

(this is a photo I took in seattle, WA - these two are the same photo, just a zoomed-in crop on the right)
