Posted to Drupal forum, to thread started by someone who had tried but failed to use FCKeditor and IMCE to try and add photos to articles. Much the same applies for newer CKeditor.
Just found this thread; after looking re using IMCE to create folders for users [not sure it can do so for each indiv user I'd like to ]
Agree Drupal should be stronger re editors and images: indeed seems old-timers into basic text, and no images. (Major improvements are in Drupal 7.)