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I have a collection of images >10 gb (I spend a lot of time on /hr/ and some here) and I use Dropbox. It's the best way. The only problem is the subfolders. I have pictures that belong in three folders. For example, an old hi-res picture of Babe Ruth would go under sports and baseball, but it would also be under history. Normally, I go with the most relevant, but I also like classifying by year, black and white or not, etc.
Is this answer too in depth? I guess I just like to organize things to the point where it's overdone..