So I decided to build something dead-simple that she could use. There are no frills. You just create an album and email it around. The link goes directly to the photos.
It's not fancy at all (very utilitarian), but she appreciates it, so I thought I'd launch it as a full service and share it with people.
It's called SimpleNeat http://www.simpleneat.com
If people try it out feedback would be appreciated.