Community Use?

I would like to use FCKeditor for a small car community I am building and in order to do such I need to configure the uploader and browser to securely show only the files that belong to the specific user that is logged in. I am using PHP and MYSQL. First off, should I create an image folder for each user and store their pictures there? Just seems too redundant. Otherwise, should I dynamically name them ( $_SESSION['user'] . time_stamp() ) for example?

Thats how I have been doing it, and it is then stored in my database in a 2 column table containing their user id and then the picture's name.

Any suggestions would be greatly appreciated.