It depends upon your need and primary factors deciding for the phone. If you want biggest screen (5.5inches and comfortable handling such a huge phone), specs(quadra core) go for Galaxy note II. If you want a colorful phone and good solid camera (low light performance) then buy Lumina920. If you are fine with 4 inches of screen size and already into apple eco system, go for Iphone 5. I ll suggest you to try all three phones at ATT store and figure out which phones is better suited for your requirement. Dont  listen to haters and fanboys. They are blinded with hate and fanboyism. For them thier fav is best in the world and others are shit.