Best approach for a public image upload? (maybe in posts?)

I want to create a site that let's anyone who's logged in upload an image, either just an an image that appears in a gallery or as an actual WP post (that goes straight to the moderation queue).

Is there a plugin to do this? If I can set it up so they image gets uploaded in a moderated post, It would be a lot more flexible (could add stuff like the voting plugin!)