I find naming really easy so perhaps haven't understood others' problems. When I upload a group of pics to my hard drive, they have a collective name such as crocus, children, winter 09 or whatever. Then when I resize one to post on the Forum, I save that with a new name (thus retaining the old one in its full size form) and that new name is the name of the picture subject such as Crocus nudiflorus, Susan and Ben, Galanthus nivalis 5 or whatever.
All this of course, is for pictures of my own plants or others I know well. No problem with remembering what the plant is. As I've said before, we don't have these incredibly fine shows with many plants new or unknown to the public at large, so that problem of matching a plant to a label doesn't arise. When I DO take such pics, I write the name in a small notebook which I carry with me at all times - except those many times when I forget to take it.