> $400 PA on a virtul hosting is quite expensive, but may be worth it depending on how much you care about 24/7 * 365 reliability and a help desk that speaks a language known to most people in your country.
Yes exactly. My own personal hosting bill is at around $600/yr but that includes about a dozen servers, about 1.5 Tb, and (crucially) lots of IPv4 interfaces, which are quite expensive. But I imagine if you are prepared to pay $400/yr, you would want that sort of quality and capacity out of it.
If you do not care much about redundancy, performance, capacity, or convenience, you could get some change out of $50/yr, or even do it free by hosting your pics in something like Farcebook or Github or whatever.