Apple iPhone 5s

Hello everyone. I am looking at getting either the iPhone 5S or the 5C and I would like the opinion of those who own the 5S. Do you like it? I am not a business person, nor am I a photographer. I want to have an iPhone that will take the most current operating system update, has a good camera that I can take quick pictures with, can surf the internet, is fast, and has good call quality. I have AT&T Wireless and I know that AT&T carries it. Is the iPhone 5C worth the money?