Hi Dave,
To post photos without all the attachment gubbins, you have to have your photo hosted somewhere on the web, then point to it using the "Img" feature in the post editor. This puts UBB code in your posting that links to the photo hosted elsewhere on the web.
For example, I have a picture of a marquetry sign I made a while back on my woodworking website.
To make this appear in a posting, I would first type or copy/paste the URL into the post editor, then select it (by clicking the left mouse button and running the cursor over the whole URL), then click on the "Img" box just above the editor window.
This puts the code [img] at the beginning of the URL of the image and the code [/img] at the end, and would look like this to other forum viewers:
If I have a full-size version of the picture in question, I make the image in the thread into a URL to it, so if the user clicks on the small photo, they will be linked to the high-resolution version. To do this, I encompass the img code with a set of "URL" codes"
[url=http://www.daveswoodenwonders.com/images/MGsign_Final_3.jpg][img]http://www.daveswoodenwonders.com/images/MGsign_Final_3s.jpg[/
I deliberately didn't finish typing the code in the line above, so it will show up in my posting for you to read.....at the end it should say [/img][/url], but if I typed that, you wouldn't see the formatting....
So, for my pelican sign, the small picture that is a link to the big picture would look like this:
(click the pic to see it in glorious full resolution!)
You can find plenty of places on the web where they will let you host your photos for free. I'm sure someone else will chime in with some ideas on that for you.
Hope this helps,
Dave F.