The problem we have at the moment is make sure that members use the attachments for photos that are used in posts. The photo albums are just for showing off personal pics.
I may just switch this option on and see how it goes, but the second I see lots of https://www.coffeecup.com/book/html/images/CC_04.gif where people have uploaded images posted on the forum and then deleted the picture, then I will have to take down the albums again.