All of these phones make carrying a P&S camera redundant. Both the Razr and the iPhone went with greater megapixel rates to combat the fact that Samsung uses a better quality lens.
Here is a pretty unbiased report, that notes the 4S does better in low light. In regular light, the Galaxy outperforms the 4S.
http://www.tested.com/news/photograp...-cameras/3070/