Doug/all,
Ok! I’ve done a little searching, and I have the image uploading issue fixed. I’ve installed a plugin that allows users to upload images…which I am going to keep active for now, until someone abuses it, which hopefully won’t happen.

As the image above shows, once you have an account and go to reply to a forum, the little image icon is where you can click to ad ‘in-line’ images.
Doug, I’ll keep searching for a user experience option for the recent replies more inline with what you are used to. I suspect this solution may take me longer to figure out.