I have not released my site as yet, just playing around with it to see what works and what does not.....
From what I see, individual photos almost clutter up the site. I'd rather see Albums display first in all categories, as the default, with individual photos displayed under them. Maybe a way to do it, but I have not been able to figure it out.
If I was designing the layout, Albums would be featured and more or less the default for posting. No reason this can't be handled in the photo upload area.
Anyway, the Album making feature should be in the upload area.