And if you have to use a photo hosting website, you miss a lot of great photos, I'm sure of that. Those hosting websites are not always easy and not fool proof.
I may have mentioned the Woodenboat forum has a dismal photo storage/loader. About thumbnail size. I tried posting a photo on Cruising Anarchy but the tool doesn't work until you shrink it to nothing. They have had a storage problem with too many photos being posted so they tell you to use a photo hosting service.