Well, I have some kind of good news.
I tried Camera + and Cortex. And compared some low light shots to the stock app.
Camera + and Stock looked the same in terms of smudge. HOWEVER, Cortex with both JPEG and PNG looked noticeably better with less smudge. The only down side is that it takes longer to finish capturing the image. If you're taking pictures of a moving subject (pet, kids, etc.) the stock app still does a good job for a phone, especially in well lit areas. If you're taking pictures a static scene (landscape, house, etc.) cortex does a good job.
I tried Camera + and Cortex. And compared some low light shots to the stock app.
Camera + and Stock looked the same in terms of smudge. HOWEVER, Cortex with both JPEG and PNG looked noticeably better with less smudge. The only down side is that it takes longer to finish capturing the image. If you're taking pictures of a moving subject (pet, kids, etc.) the stock app still does a good job for a phone, especially in well lit areas. If you're taking pictures a static scene (landscape, house, etc.) cortex does a good job.