Not sure what approach you're stumbling with re: images, but they definitely support them, but you can literally just drop an image onto the editor and it'll embed it, including locating it where you've specified that attachments should go.

The default file per folder is not built-in, but there is a handy community plugin[1] which does it.

[1]: https://github.com/xpgo/obsidian-folder-note-plugin

Those two are actually a must for me. My team at work needed a wiki and I would only accept one with such features, eventually we found it. Still looking for something to self note taking. I'd also need something that can sync to phone cheaper, as currently I don't pay for Google keep