Hmm, I see what you mean, Ben. It used to be that you could upload a photo and then do a post preview. The photo would show up on both the preview screen and the edit screen. So you could then add more text below the attached photo. Now the photo attachment only show up on the preview screen so you can't edit to add text below.
How about we move this thread to the User Gallery and Picture Help Display forum. There may be somebody there that knows how to do this. Adrian sometimes checks in there and he is pretty savy with the forum software. So perhaps he knows.