It's difficult to choose the 'Right' one when there are so many to choose from and they all have their own little features and merits. I'm sure if HTC are going down this year, next year they will pop out a flagship model to rival the competition.
If it's a camera you are after and a budget phone, my choice is a Moto G 3rd generation with it's waterproof case and a great 13 mgp camera. The 5" screen is really good .. it saves me squinnting to see text on a smaller screen.
You wont go far wrong if you stick with the big named manufacturers.
Ask your current supplier for your PAC code a few weeks before your current contract ends and they are guaranteed to try and keep you onboard with a better deal.