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Hello, i would recommend MyAlbumP simply because it is a simple yet powerful module. It is bug-free (i think) and works great! Just remember to use NetPBM or ImageMagik to get crisp looking thumbnails.
Although i feel that XCGal and XOOPSGal are good modules, i use MyAlbumP because it allows all users to upload in a general folder. The other 2 modules suit more to allowing users to create their own folder and uploading photos inside IMHO.
I hope this helps in your decision and no matter what you use, they are all great modules. Good luck!