Hi AKDoug,
To answer your first question, In the upcoming version of vbulletin (3.7), they do have a user photo gallery.
"
User Picture Galleries
vBulletin users can now create albums and upload pictures to their account."
http://www.vbulletin.com/forum/showp...69&postcount=7
If your comfortable with vbulletin as a beta right now, then yes it is available from the box. The latest stable version 3.6.8 does not have a user photo album out of the box, you will need to get a mod.
And for your second question, I have no idea. I doubt it but most likely if someone wants it, its going to be made as a mod.
Ryan