First I use
ReName to rename my pics with chosen keywords, unless I'm feeling lazy. I use Arles for thumbs creation and to resize/optimize the full pics. I run the images through ThumbsPlus using their webpage wizard cause it produces a much cleaner html table than Arles. Then I toss the thumbs that ThumbsPlus created and use the Arles ones. I also use Photoshop to to optimize some tricky pics that need to be forced to my optimization targets. The graphics I use are built with Photoshop as well. It's a convoluted system, but it works.