I think all current availables would do the job, as you've described it.
Currently i am also looking for a real genuine and flexible solution, available for XOOPS.
But i would suggest you, to test some of these prior to making it public on your site(s).
And i mean testing accurately, 'cause most of the 'turn-offs' are arising at a later level of use.
Also try to look a little bit 'ahead' with your intentions, what you and your visitors 'maybe would like to have'.
Changing a live site afterwards, because one notices that the intended usability is insufficent, is always a pain !
Of course, there's no 'all-rounder', capable of doing everything, but a scope can be how much plugs and mods are around.
Also you might find in such popular solutions more hints for achieving your personal aims.
So i am currently very interested in
4images and an integration into current XOOPS releases.
If you visit their forum, you will know why. Its almost incredible how much hacks, mods and plugs are around.
There is a good chance that one will find a tip or even a solution for getting it the way how one intends.
Also i've seen a live site with a real working foto-community, the most flexible i've seen up to now, running
4images.