How Good Does Your Phone's Camera Need To Be?

Yesterday, Nokia announced to some fanfare its new Lumia 1020: a 41-megapixel, Xenon-flashed, highly tweakable camera that, y'know, also makes phone calls. But how good does the camera on your phone really need to be?

Of course, it depends on your usage. Only interested in posting pictures of sandwiches to Instagram? Your humble 5,6,7,8-megapixel camera on whatever old Android is in your pocket can do a respectable job. Interested in replacing a high-end compact camera? Maybe the new Nokia is for you.

But here's what we want to know: what does you use the camera on your phone for and, as a result, how good does it really, really need to be? Discuss.