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okay...here's another possible solution...
look at this
link for the member photo 'hack'.
Once you have that installed, you could go through all of the templates for the forums and what not and add the smarty call for the member photo to the location where the avatar smarty call is. This would then replace all occurances of the avatar with the users photo, and the user can submit the photo when they register.
I realize that this is not exactly what you were looking for, but it's closer than the first suggestion and would only require messing around with the backend/database once, and things would be good going forward.
Good luck with it all...and don't forget to share whatever your final solution is with the rest of us
Might be that others are looking for the same thing but just haven't asked.
Happy Xoopsing!