I am confused by the conflicting advice on image "insertion", so I must try it both ways.
Here is an image using Zumbini's method (which is what I use):
And here is the same using Dennis' method:
Denns' is certainly the easiest, and if he says it does not take up server space, then I will switch to that method, as most of my digital collection already has cover art on my server and I will not have to search for it on the net.