Good points, Doug.
I recognize that not everyone is up to speed on how to resize images or how to optimize them so they take up less space, so if you're one of those people, I highly recommend that you simply paste the photo's URL into your post so people can click at their own discretion.
If you accidentally post an inline photo that shows up really big after you post, please click the "pencil & paper" icon above your post and delete the reference to the photo (the {img}{/img} tags and the URL in between), then paste the photo's URL into the post instead.
Thanks,
Chris