Chuck, I've decided to go with what I have. Thanks for the help. The only thing I can't figure out and need to fix is the User Galleries (I renamed Member Galleries). When I first started it was working right. Now there are no images in it. When I (or a member) uploads an image it should show in the category they choose and also their "My Photos" but it doesn't go into My Photos. I've looked for a setting that will set it up like that, but can't find anything. I even tried making Member Galleries the parent gallery of all others, but it still didn't place any images in the Member Galleries. I hope this makes sense.
If you could help me with this I should be ready to use the gallery and be able to stop bothering you.
Thank you so much for any help.