I'm not sureprised you got nothing.. you set everything to zero.

Go to the same place you were and set it as follows; the bold bits are important. My words below are changed from defaults, but the settings are in the correct order top to bottom:

Require summary: untick this
Summary length: 1000 (or whatever)
Search summary length: doesn't matter
Set photo width to: 200 (or similar)
Maximum recent entries: any number above 1
Maximum recent RSS entires: any number above 1
----------------
Enable upload options: Tick this
Show Summary: Tick this
Show unique title: Tick this
Personal blog page: as required
Indexing: as required

Now go make a post and insert your image into the body of the post. The cursor has to be at or near the start of the post, and you can float it to the right in the Image Properties dialogue in the FCK editor, to tidy it up.

Send me a link if you still have trouble... my email is in my profile.

Rob