Regarding linking the thumb or not, and being rejected some places for doing it... I think we need to be clear that what DangerDave was referring to was linking a thumb that's located adjacent to the gallery text link, to that same gallery. So it there are two thumbs with text links to galleries under them on the main page of the free site, he'd like to see the thumbs linked too, not just the text under them (and he likes when those gallery links are underlined if sponsor links are underlined).
Linking thumbs on the main page to other things, besides the two galleries I mean, could get you rejected since they'd almost certainly fall under the 'blind link' rules.
HTH
(and that that was what he meant)