Thanks for all the replies so far. It is great to have a willing community to share there experiences with you. So thank you. I would like to up grade to a smartphone mainly for the apps, web surfing and quick pictures. Gaming and movies are not as important, but it would be a nice bonus.
So I know that the Windows phone is really limited in some respects. I have done some research on all of my options and they(nokia 920) seem to have a pretty good OS ,but are lacking in the apps department. But I find Nokias apps that come on the phone intriguing. I also am impressed with the camera. I guess I would be like many of my fellow parents who would use there phone for all those quick shots of there kids and family, that they might have missed not carrying around there regular camera. The only draw back to this phone right now, is that there doesn't seem to be any place I can find one to physically hold and use. None of the stores around me seem to have them in stock. So I am running off all of the reviews I found on the web. It also seems that this OS is kind of right in the middle of Apple and Android in it's customizable features.
My wife has the Iphone 5 and loves it, but I find the screen just a bit to small, but since I have owned several Ipods I am comfortable with OS. There choice of apps is very extensive. I also like the camera on this phone, as I have seen what it can do first hand. Although the lack of features on the camera app is a little annoying. I mean Panorama ,and HDR that's it really??? So it is a possibility, but would be my least favorite.
The Galaxy phones S3/ S4 both seem like quality phones with good OS, although I am not at all familiar with how they work. I was a little concerned with the S3 camera quality when I reviewed it on Youtube. Then again I have never had any real experience with them outside of the store, so I don't know how they truly preform. A friend just got the S4 and he loves it(he is a big apple / Microsoft hatter) He is also a big gamer and bought it mostly for that reason. I am not( a hatter or gamer), so that part doesn't matter so much. Would I notice a huge difference in the dual-core, compared to the quad core for normal everyday use? How difficult is the android OS to get use to? Is the camera on the S3 really that bad?
I do listen to a lot of music and pod-cast's so the HTC ONE has really caught my eye. I forgot to mention that phone in my OP. I also think it is one of the nicer looking phone available right now. FWIW . The OS is close to the S3/S4 if I am correct. The camera on this one is also nice. I like the features that are built into it.
This was pretty long winded and I apologize for that. But I have been researching this for quit a while now, and still coming up confused, and unsure of what I really want. Oh and I my phone carrier is AT&T. Again thanks for all the incite. I do appreciate it.