Got it. I think that I'd still try to debate whether what I'm doing is "commercial". I don't feel like it's commercial.

And I think that the fair use clause doesn't allow for derivative work unless there is a certain amount of modifications. I'm not sure either.

And you made me think of memes again. This meme:

Oh, no, there's an album cover, I don't have a license to share the album cover. By sharing this meme, I'm breaking the law! ??? What about the maker of the meme? There are all of these little nuances to owned stuff that make it really hard to ascertain what is proper use, what isn't, and why.