[I don’t see how to add photos to a reply].
It takes several steps to add a photo to a post, but it’s a cookbook procedure:
To start, you need to be using the ‘edit post’ page not the ‘quickpress’ on the ‘Dashboard’ page. Click on the ‘add image’ icon as shown below:
Voila, you’ve inserted a picture into the post that you can view in the post editor page. It may look a little distorted in the editor page, but the distortion seems to go away in the published version.