My solution is probably a little extreme for most of you, mostly because I actually earn my living doing IT. My home network runs entirely on Linux, which pretty much eliminates all virus problems (but I still have a proper firewall and anti-virus software!). I have a QNAP drive connected to the network which provides several TB of storage, and in addition most of my images are uploaded to google (I have a google plus account), from where some of them are shared.
I use Gwenview to upload images from the camera onto my PC and to do simple mods (cropping and resizing), and GIMP for more sophisticated work (similar to PhotoShop) such as retouching, hue changes, etc. All of this software is free and I generally load pictures directly into the forum. The only downside of that approach is that the images always appear at the bottom of the post (whereas linked images can appear anywhere).
If you wanted to use the linked image approach together with Google storage, then the images would have to be in a publicly shared folder or album.