For those who want to emulate Tom (NOT eliminate), and make multi-image posts, here's the secret - forget HTML. CSBB replies talk 'web page' - give them the right input and the web page software will build the HTML for browsers.
For the reply format to add a photo, see 'Embedded image code' from D'Arcy.
I still have to learn the other 'web page' tags, such as break (new line) and break/clear=all (start new text below rather than next to photo), but those are for a rainy day.