I think Nokia seriously underestimated the "Instagram/Zynga" factor when they decided to go with Windows Phone. The average consumer does a minimal amount of research before buying a phone, and typically buy whatever the sales representative recommends (unless they are looking for a specific model, like the iPhone or SGS3). But on top of that, consumers will still ask questions like:
1. Oh my friend uses this app called "Instagram", does Windows Phone have "Instagram"?
2. I want to play "Words with Friends" with my friends, can I do that on Windows Phone?
If the sales representative is honest (I mean he has to be or will get an instant return), the consumer is just going to pick up an equally cheap or cheaper Android phone.
The 920 does not solve this problem despite having pretty sweet hardware. Not only that, its a huge phone like the SGS3, but quite heavy, which will turn off a lot of consumers who want big screens, but light devices (you don't see Apple making bigger phones that are heavier). Even if the camera is the best on the market (and to be honest, I don't think it will be noticeably better than the iPhone5 and upcoming Android phones), without useful apps for sharing those photos, people won't be drawn to the platform.
Finally, things like wireless charging and using the phone with gloves on are not major selling points, just like NFC has never been a major selling point.