J Mace: no worries about the thread drift - your comments were relevant, going into galleries and messing around helped me to figure out a few things.
I was using Firefox, but switched to Chrome - now I see the "copy URL" in my right click options.
open it>right click>copy image url>and then paste it using the image insert button --- this gives the result of a full screen photo
Same as above but a right click on the thumbnail (instead of the opened image) gives me the result below, a thumbnail, as I wanted, but not clickable to open the full original photo. Once a thread is several pages deep it makes it tedious for users to have to back to the original thumbnail in order to open the desired photo. I could put in the link but that's an extra, hopefully unnecessary, step.
So we are getting there. Perhaps the images are handled differently than previously and this isn't resolvable the way I've described, in which case I'll figure out a workaround that suits me.
A further aside, previously when building a trip report, photos, once loaded, would show up as little bit of code or tag in the TR and that tag could be moved around to make the photos appear 'inline' with the text. Grabbing that tag when commenting or replying allowed that photo to be referenced as a clickable thumbnail. Hopefully that makes sense.