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I have a wfsections I hacked a bit for a friend using catswolfs spaw module, it has the wysiwyg at both ends, and users can edit and manage their own articles.
It can download it at my site, no database changes, you can overwrite existing files.
Users can upload images to the "uploads" folders, it shows other folders to potentially upload to, but this folders "library" can be easily reduced to show only the uploads folder which has chmod 777 permissions etc.