You don't need to know html. That's what we use here. PBF uses the same set up as Whiteblaze. All you need to do to embed a link is highlight the word you want to place the link in, click the button to add a hyperlink, paste the URL and click OK. Much easier than embedding links or posting pictures here for the average user. It may be a little extra hassle when you post, but for the people reading your post it is much easier to click a link than it is to highlight the URL you pasted, copy it, open a new tab or window, paste it in the address bar, and hit enter.
However, like you said, embedding the link is extra work and if you don't want to do it then don't. If you choose not to post on PBF its no big deal. I can come here, or go to TLB, or anywhere else you post, and see pictures of your quilts and get your advice and opinions and trip reports as well.
Adam
PS- I swear I don't mean this as a personal attack or to offend you in anyway tarbubble, but I noticed that you don't like to use capitalization when you post. Is that old Shift key just a little too much work as well? :P Sorry, I was joking poking a little fun. Please don't take it the wrong way.