For me, I want it so when I drag a picture into an album, its automatically added to my website database and the image and thumbnails are automatically transferred there.
The closest I have gotten to this has been by writing a somewhat buggy iPhoto plugin that synchronizes photo data between iPhoto and my remote SQL server (on my web provider), then spit thumbnails and images into a folder. Then I'd have to manually upload that folder of images to my remote server. Of course I am a horrible programmer so whenever there is any sort of bump in iPhoto or the export process I crash
I suppose that if .mac had at least a minimum offering compared to commercial Flikr, with ability to search photo comments and filter by keywords, date, etc then I'd consider getting a .mac subscription but since it doesn't I am stuck with 'jury-rigging' it.