Settings to allow members to upload to ONE category only

[imported_DougM]

Eventually I'll figure this out and I may be making it harder than it needs to be but I cannot seem to get this. I think my situation is common.

1) I have many categories and I do not want members uploading to these.
2) I am creating one category called "Member's Photos" where I want each member to have one sub-category for their own photos.

Question: What are the proper settings for this configuration?

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Usergroup Permissions > Registered Users > Can Upload Images "Yes"
This allows members to upload into any category. Even categories where I have selected "No" for Category is Open For Images. OK I just noticed this is wrong. Members cannot upload to a category where "No" is selected for "Open For Images" - but then it closed to the administrator too. This won't do.
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Usergroup Permissions > Registered Users > Can Upload Images "No"
Members cannot upload photos, even to the Member's Category. Yes, I have selected Act As Members' Category.
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Should I be changing the category or usergroup settings? Both probably. Any help appreciated.

Change the upload images option to 'No', then go to 'Category Permissions' and change that setting to 'Yes' in the category you want to allow them to upload to.