Oh, and a little more information just in case it's not obvious.
When I originally uploaded the photos that are currently involved in this issue, I had not yet created any Personal Albums. I had simply uploaded the images to 'Members Gallery'. They showed up fine when I viewed 'My Photos'. Then I created the Personal Albums. I edited each photo that I had already uploaded and chose the appropriate Personal Album in the 'Copy To' field. Then I viewed each Personal Album and chose a photo to use as the album cover. That's when this issue began.
That said, as a test, I just uploaded another image and put it straight into a Personal Album (Danielle - Year 2) instead of Member Galleries. This image uploaded fine and already shows as the album cover.
Now, looking at the edit image screen, I may very well be able to change the category to which the image is related to (using the 'Change Category' drop-down) and choose the Personal Album that I want the image to be in that that may very well fix the problem, but I'm still thinking that even as I have my photos now that this issue shouldn't exist, so I'll leave them alone for now.
Also, that code that you had me comment out previously, should I go back and un-comment it since commenting it didn't seem to do anything?