For commenting on posts > I click and drag my image to the comment box.
For posting I NOW use the Markdown Styling Guide. I am an artist and avoided anything difficult. I DEMAND friendly and simple but the limit of only 2mgb for imagesafe.com was killing me. I use a lot of images so dragging and dropping was the only way to go for me. I took the plunge and found it easier than I thought. Saved a bunch of time and clicking. Now I have more time commenting on posts like yours.