Availability And Price
Apple has a clear victory in terms of availability. The iPhone 5 can be found at every national U.S. carrier except T-Mobile (that's AT&T, Verizon and Sprint). The Lumia 920 is only available from AT&T. The lower-end Nokia, the Lumia 820, can be found at AT&T, T-Mobile and Sprint stores, but it frankly doesn't compare well to its bigger brother or the iPhone 5.
An equally clear victory is awarded to Nokia in the price category. AT&T sells the Lumia 920 at $99 on contract, half that of the iPhone 5's $199. Remember also that the Lumia 920 comes standard with 32 GB of memory. To match that, the iPhone 5's price would be kicked up an extra Benjamin. Ouch. But again, this is a quandary that only AT&T customers have the privilege of facing.