Be careful that wherever you buy hosting from (if you go that route) offers the necessary controls and PHP libraries for installing and configuring Gallery.
I too tried Picasa once upon a time (way back when Google first bought them) and it was just too depressing to be presented with 20,000 photographs that I knew I'd never get around to organizing other than by the folder they were in.
Flickr provides enough functionality for me though I'm not heavily into the community aspect of it so I use that. But it is klunky in many ways.
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