So here is my personal final answer on the subject:
1. Apparently if you have donated monies, you can attach images in PMs or "conversations". Allegedly, you need to have the pretzel to do this. However, some users that have donated enough to have the pretzel still can't do this.
2. To get around all of this, just create an account at klovimg.com and manually embed the image into your PMs using the IMG tag.
OR - upload your image to the "Media" section of the forum and use the IMG tag to embed your image.
[EDIT] - For the record, I'm not trying to endorse the avoidance of donating. Just trying to help a brother out until they can decide what's best for them on the subject.