Its the photographer....I have seen stellar pics in the N4 pic thread on this very site. The pics I get out of both my GN and N4 are great. Thats in good light a steady hand and some time to focus. I think if you want good quick pics with no effort...well thats only the iphone 5 and above. I just think if you care that much about pics than use a crappy SLR. It will stomp the crap out of even the 1020.
I always take the kid's i5 with me to the Att store to compare. It's laughable how much better last years i5 was compared to either the HTC One or the S4. Thats for quick fast autofocus pics. This years 5S when I played with is just stellar! Don't care for ios or the phone but they sure know how to build an autofocus camera.
N4 Pic thread:
http://forums.androidcentral.com/google-nexus-4/225816-photos-taken-your-nexus-4-camera.html