You can sum up the Nokia Lumia 1020 in three words: 41, megapixel, camera.

It's the Lumia 1020's high-octane shooter -- along with Nokia's custom camera app -- that defines this next marquee Windows Phone 8 device, and that gives mobile photographers a reason to salivate. In the 1020, Nokia pushes the smartphone camera envelope with a combination of raw image-capturing prowess and close-cropping capability that makes it one of the most artistically able smartphone cameras we've tested.

Would we ditch our point-and-shoot cameras and rely on the Lumia 1020 instead? For day-to-day and weekend events, absolutely; the 1020 is the ultimate in convenience and approaches point-and-shoot quality. However, based on our tests so far, Nokia still has a ways to go before it can completely supplant the need for a higher-level standalone camera. We'd take it away for the weekend, but wouldn't use it to shoot our kid's first birthday.

Like the 16-megapixel Samsung Galaxy S4 Zoom (reviewed), the Lumia 1020 is a niche device. Casual users may not venture from automatic settings and may not notice much difference in image quality unless they frequently crop photos tightly. Of course, the S4 Zoom's optical zoom element gives the 1020 a run for its money where that's concerned. However, overall, the 1020 offers often technically better images in a much more portable chassis.

The 1020's $299.99 on-contract price with AT&T is too steep for casual users, who can capture high-quality everyday stills and videos with handsets that cost $200 or less. Serious photographers, however, will appreciate the phone's genuine two-in-one capabilities. The Lumia 1020 also is sold globally.

Design and build

The first thing you're probably asking yourself is if owning the Lumia 1020 is like carrying a bulky point-and-shoot camera in your pocket. Blessedly, it is not.

Compared with the chunky Galaxy S4 Zoom and bulbous Nokia 808 PureView (the company's first attempt at a 41-megapixel phone), the Lumia 1020 seems only slightly thicker than the Lumia 920 and 928, both of which it physically resembles.

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Dimensions of 5.1 inches tall by 2.8 inches wide are pretty standard, and the 1020 measures 0.4 inch thick throughout most of its body. It's that large camera module on the back (about 1.75 inches in diameter) that protrudes a full 0.51 inch from the phone's face.

That means the phone won't lie flat on its back, which is surprisingly sometimes helpful when the face tilts toward you as if on a stand. Amazingly, I did carry the phone around in my back pocket for long stretches without noticing it too much. When I held it, my fingers adjusted to grip the 1020 below its bulge.

Keeping the phone this slim was quite the design feat, especially when you compare the 1020 with the chunky S4 Zoom, which is shaped more like a point-and-shoot with a smartphone attached.

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At 5.6 ounces, the matte yellow, white, or black 1020 is hefty, sturdy, and undeniably solid. I'm used to carrying heavy bags and backpacks, so the weight didn't particularly bother me, but those who travel light will notice the 1020's density right away. We tested the phone in all three colors; the white version picked up smudges most readily, but they wiped off easily enough from the polycarbonate material.

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Like all the Lumia 920-series phones, the 1020's 4.5-inch display features a 1,280x768-pixel resolution (WXGA) and pixel density of 334ppi. Its AMOLED screen is also supersensitive, which means you can operate it with fingernails or gloved fingertips. Gorilla Glass 3 helps resist cracks, though smash any screen hard enough or often enough and it'll break.

In keeping with the Lumia design philosophy, you'll find oblong volume, power/lock, and camera shutter buttons on the right spine, and the headset jack and micro-SIM card slot up top. In addition to the front-facing camera there are three capacitive navigation buttons on the front, and the Micro-USB charging port is down on the bottom edge. On the back, the massive camera module includes a wide xenon flash and a six-lens Carl Zeiss lens, plus an LED sidekick that's mainly used for focus.

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A completely sealed unibody device, the Lumia 1020 doesn't have a removable battery or microSD card storage, which may make avid photographers jittery about storage limits, especially with large photo files.

Understanding the camera

The most important thing to know is that the Lumia 1020's 41-megapixel shooter doesn't actually give you 41-megapixel pictures. In fact, not much about the camera or its software is particularly straightforward.

Here's what's essential:

1) The Pro Cam app creates 5-megapixel photos. In addition, it also saves a high-resolution image of each one. If you crop in tightly, your photo looks even more detailed. I recommend CNET camera guru Joshua Goldman's must-read explanation of what's going on with this particular type of lossless zoom.

Screenshot by Jessica Dolcourt/CNET

2) By default, the Lumia 1020 takes photos using Nokia's Pro Cam app. Not to be confused with Nokia Smart Cam, Pro Cam gets you sliding controls for flash, exposure, ISO, and focus among other settings. Nokia Pro Cam is technically a "lens," a separate camera app that supplants the native camera. You can only capture the higher-resolution images using Pro Cam.

Screenshot by Jessica Dolcourt/CNET

Making matters more confusing still, the size of the high-resolution photo you shoot depends on your camera settings. Pick a 16:9 aspect ratio, and the phone saves a 34-megapixel shot in addition to the 5-megapixel picture you eventually see and share. A 4:3 aspect ratio gives you a 38-megapixel file in addition to the smaller snap. You won't see these choices -- or any resolution options -- when using the native camera app.

You'll only be able to upload and share the smaller file size from the 1020; if you want all 34 or 38 megapixels, you can access the raw files through a computer connection.

In some cases, the 1020's creative settings are no big deal. Most smartphone cameras have many of these within submenus. The difference here is that surfacing them on the app's top layer makes them a lot quicker to access, set up, and change from shot to shot.

One setting is conspicuously absent for serious photographers, and that's the power to manually change the depth of field. It also threw CNET's photographers that the "live preview" of manual controls that you see on the screen before taking a picture often didn't represent the actual image once it was captured.

Screenshot by Jessica Dolcourt/CNET

In the menu, you can switch to the front-facing camera, get at settings, and launch the tutorial. Unlike the Galaxy S4 Zoom, there aren't mode presets for night shots, sports, or other common scenarios, so it helps to know what you're doing, or have the patience to play around.

I'm not sure why there's no onscreen control for the front-facing camera; digging into the menu just seems like an unnecessary step. It's also a little strange that there are two buttons for reviewing your photos. One reviews the last shot you took, the other lets you get at your whole photo stream. Unfortunately, you can't swipe to the left as you can in the phone's native app to access your camera roll.

Screenshot by Jessica Dolcourt/CNET

There are cursory editing tools you can access when you review a photo, including rotation and a sort of cropping tool that changes the aspect ratio to 4:3, 3:2, 1:1, and 16:9. I wish that Nokia had included a more robust suite of editing features here. Instead, you'll have to swap to a different editing app if you want to crop or auto fix. Luckily, the 1020 makes this fairly easy to do from the settings when you access photos through the review strip.

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Image quality

To test how well the Lumia 1020 backs up its claims of photog greatness, I shot dozens of pictures with both the Pro Cam app and the native app, using a combination of automatic modes and fancier settings. Full disclosure: I'm a completely casual photographer, so my photos here represent the perspective of an average user. For the more-artistic shots, I enlisted the help of CNET photographer James Martin and CNET camera editor Joshua Goldman, who independently called the Lumia 1020 a "really good smartphone camera" after taking their own rounds of test shots.

Many pictures I took looked fantastic in terms of color, contrast, and detail -- especially fine detail like a visible background cobweb. When an image was focused correctly, the camera's lossless digital zoom also produced terrific detail, just as Nokia promises.

I never took a bad photo with the 1020. That said, not every photo was a complete hit. Of course, even good cameras can take the odd bad picture if conditions are off. Sometimes, I wasn't sure that another high-end smartphone couldn't have taken the photo just as well.

Edges usually appeared sharp to my eyes, but then some centers sometimes lacked shadows, detail, and depth. I also had a hard time nailing great portraits. Lighting was sometimes off, and faces often appeared a tinge out of focus. That can cause problems when taking photos of a group. Overall, my photos of objects were a lot more beautiful than my pictures of people. James and Josh had much better luck with portraits; photo enthusiasts should take my results with a grain of salt.

James Martin/CNET

I also noticed that the 1020 seems to color-correct a couple of seconds after taking a picture. When using the flash, photo color also grew warmer, yellower, which can be a little weird. Then again, yellow is better than the blue cast you sometimes get when taking photos with a flash.

Since the Pro Cam app saves pictures in one small and one large resolution, the camera takes longer to reload. Instead of shot-to-shot times about 2.5 seconds apart, it's about a 6-second wait before the Lumia 1020 is ready for the next round.

I will say that I got some terrific pictures of objects even in the Pro Cam app's automatic mode. That and being able to crop in tight on an element without losing detail definitely made me want to take a lot more photos than I normally would.

Unless otherwise specified, the following pictures were taken using automatic settings, and have been resized. To see more of what this camera can do, check out this Lumia 1020 photo gallery and a camera showdown between the Lumia 1020, Samsung Galaxy S4, and iPhone 5.

Jessica Dolcourt/CNET

Jessica Dolcourt/CNET

Jessica Dolcourt/CNET

Jessica Dolcourt/CNET

Jessica Dolcourt/CNET