Ok there are 2 ways to do this.OOOh, it does now! I might have been a bit quick off the line for my above post.
The first image I posted of the toothless wonder I used the "gallery embed" function within the reply. In order to do that, you have to make sure the privacy settings on your galleries allow at a minimum the "registered users" toggled for it to come up in line. At first I had privacy just set to "me only".
The second image I had a second window open with my gallery and opened the photo and used the link under "copy image BB code" which allowed me to just paste the link in-line and you don't have to worry about any of your album settings. It's like using the link from Imgur, same concept.