Upload & Sell: Off
I've always just manually cut/pasted my links into a post.
I have an Upload and Sell subscription since I occasionally sell gear on the Buy and Sell board but more importantly because I was to support this website, where I spend an embarrassing amount of time each day. But I don't use the upload feature because I've become accustomed to uploading images to Picasa. In fact, I upload many more photos to Picasa than I post on FM. Copying links to photos in Picasa is very easy.
Have fun. FM is a great place to schmooze with other photographers both about gear and about the joy of using it.