WinCustomize subscribers will soon be able to have their own photo albums as part of their personal pages. Users will be able to upload pictures of family, friends, their skins, whatever (within reason). What's particularly cool is how easy it is to submit images - an Explorer-like view is given of your local machine for picking photos, giving them captions and then submitting. So you can upload dozens of images at once.
See my personal page for an example.