Now, how do I get a pic from my HD on here again?
Oh, I gotsta see that! Two ways
1) Add it to the Media LIbrary: Click the Media button up there, pick a gallery then upload it to that gallery. When it finishes it'll have the links you can use to insert the pick. The link I used looked like this:
2) Add it as an attachment to a reply (not a quick reply but the regular reply). Click the "Additional Options" link to the left (of the reply) and then you'll see the attachment upload button.