My ducked taped together photo site was causing me issues.  I finally fixed it...  I was getting a strange GDI+ exception, amongst others, when trying to use the site.  Apparently my NTFS permissions to the media folder got mucked up, so I ended up having to take ownership of all the files and then grant the NETWORK SERVICE account write permissions to the folder.

I think this happened before a long time ago.  I'm now thinking I don't like the thumbnails and xml files in each of the sub folders where the actual full size photos are stored.  It seems better to index these in a central location - heck maybe even use a database. 

Hmm...  Sounds like an excuse to play around with some new tech.