I went ahead and got a SmugMug account, as the $ is worth it for security, stability and 3rd-party hosting.
Plus it can be used for secure file sharing and business, if so desired. The site banners live in my account so
we shouldn't have any more problems there.
BTW folks Imgur also has a no third-party hosting policy explicitly stated in their Terms of Service,
for the moment they don't seem to be actively enforcing it for general folks, business use is a no-no,
however in light of PB's action, this may not last.
Imageshack is another hosting service that some folk recommend.