Well, I did it. I purchased the Nokia 1020 from Amazon for $158.99 (total). I looked at a black one at the AT&T store this morning but I didn't like the color and white, well, it's white. I should get it Tuesday or Wednesday.
I lose 2 apps. My local bank (they don't have a windows phone app) and Dish Network app but I may be able to use the Sling app (but I'm not sure). I didn't use either app very much. All the other apps, I should be able to get or substitute with others.
The bigger screen, camera, and MS Office were the main reasons why I purchased it.