[quote=@NuttsnBolts]The only issue with images is that they scale down on different devices so what could look fine on one screen may look horribly awful on another. In some cases the images can push the edge of the forum boundaries and again, look out of place.[/quote]

The only type of image where I have such a problem is animated GIF (well obviously); otherwise I do not have the resizing issue you mentioned with JPEG and PNG regardless of the type of devices I use to access this site.

Either way, both direct coding and using images have their own respective limitations, so it's up to the individual to use whichever one that works best for themselves. If you can make-do with limited features that the BBcode can do on this site, it's more convenient when you want to make changes freely; if you want more fancy customization, you'll have to use image editors, yeah.