That's exactly the way I was doing it, minus the userid. I have a PotD running the same way. I figured a paginated gallery (like avatars) would work best for retrieving them. The 2 problems I hit were both from not knowing the workings of vB well enough to get the filename to pass back to the template via variable to show the image after it's created (or the list of older images)... wish I had more time to read up on it.
OT: Congrats on the upcoming wedding.