This pertains to Joomla 1.5.

In a search for the perfect Article submission solution for Joomla I think I've found a good combination.

In the past one problem with Article submission was dealing with image uploads. A user could insert any images starting from images/stories/.

What we want is for each user to only see the images they have uploaded.

To prevent the possibility of broken image links in Articles after publishing, the user must be prevented from renaming, deleting, or moving images.

The FCK Editor for Joomla has the ability to create user folders for images and has some neat features like "Paste from Word" and image editing features not found in JCE. First time users may find it easier to set up. FCK does not (at this time) allow for controlling permissions of individual editor tools like JCE does.

The rest of this article is about JCE.

Get the files: 

1. get JCE editor (full package easiest) here (i used com_jce_157_154_package.zip for this article)
2. get CB JCE Personal Image Folders here (this makes the user's image folder root so they can't see other users' images)
   
3. get this patch file for JCE plugin.zip (fixes a bug where users could still delete images even though they did not have permission)

Installation:

1. install JCE - the package installer will install both the component and the plugin.
2. overwrite the JCE plugin files with the files from CB JCE Personal Image Folders (plugins/editors/)
3. using the patch file for JCE overwrite plugin.php (plugins/editors/jce/libraries/classes/plugin.php)
4. optional: install com_content submit_v1_5.zip to allow Articles to be submitted to Categories and Sections (you might want to make a Category that collects all submissions and then manually assign to Section / Category later when approving Articles for publishing.)

Once all this is is installed there is still setup work to be done in the JCE component.

In the front end group set the permissions to no for deleting, renaming, etc. (Components > JCE Administration > Groups > Plugin Parameters > Image Manager > Permissions

There are other JCE config settings you may want to check over, but basically that's it.

side note: 

One thing that might be better from a house keeping point of view would be to have the images stored in separate folders for each Article as well as being nested in a folders identifying the user type and user name.

images/stories/usertype/username/article_title/user_folder_if_any/user_image.jpg

The folders would have the Articles names for easy identification. If the title of the article is changed, then the name of the folder containing the image files would also need to be updated to match.