do I have to have my photo on an online photo storage site to insert it here (to have a URL to use)
if I want to post a photo straight from my saved files- is 'attachment' the way to go?
Try to use the "Reply" or "new topic" button it open an advance posting window, where you got button for insert Image buttons.
Or if you know the syntax you just could use the code
[/[img][/img]code]