Hi Steve,
You don't need to bother with any of the above. misterfish is on the right track by hosting your pictures somewhere else on the web.
You can insert your images into your listing if you know how to use HTML or an HTML editor but even that's not necessary.
This is the easy way:
Upload your pictures to somewhere on the web, I use Photobucket but there are several sites available for free. When you are ready to insert the pictures in your eBay listing instead of finding the pictures on your local machine, just choose the self hosting option on eBay and insert the link to your files on the web.
This way you can use several photos at zero cost.
Hope that helps
regards
Brian