To add to that, like I said, we can code around it where needed. If safe_mode is turned on, then it will just dump all of the gallery uploads into a default/thumbs, default/medium, default/large directories that will be created on the install/upgrade. When it's off it will create a subdirectory for that particular forum using the forum id.
The latter will offer the best performance, but if you're on a shared host then chances are your site isn't overly huge so dumping everything into one directory won't be too bad. If you have so many pictures uploaded where it becomes a problem, then most people would be looking at switching to a bit higher end host anyways where safe mode could be turned off.
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