How about starting a 'Forum Post' here for each Challenge, and then posting your pics in that instead of the comments section (harder to see them cos you have to scroll through all the pages).
It should also let me pull all the cards together in an RSS feed so that I can show them off to everyone!
Or, to do it all anonymously (like Debs suggested to me last night) you could just attach your pics and Debs would put them in a Challenge Album. I'm also looking to give a prize to the monthly winner ;-)
I too think a seperate album would be much more user friendly - I love looking at our peoples creations but as you say, with some many fab cards posted we have to keep scrolling for messages
Happy to go with either of your suggestions - you do it and we'll use it!!!!