I am working on adapting my code at: http://adefwebserver.com/dotnetnuke/ to do what you describe. I first have to make the current DEF Gallery allow multiple albums (currently you only have 1 album) then I plan to make a DotNetNuke Module. I plan to have a free DNN module that allows only 3 picture per user and sell a version that allows unlimited pictures and albums per user (the admin can limit the number). I plan to have this in December.
http://ADefwebserver.com