@ grim - Yes, check forums for how to require someone to upload an avatar during signup. This can be any image at all, not just a personal photo. Many people use graphic art or some other photo as an avatar. Members have option of inculding an avatar in their personal photos, but some site owners like myself have eliminated that option to keep avatars and public photos separate. There are posts on that as well.
As to being a 'Cash cow," if you really can't work at all with code (I don't mean writing it from scratch, but just following basic instructions in the forum) then it will be expensive to have someone do all the work for you. But if you are patient and willing to take the time to learn, you can have a very nice site with little to no extra cost above getting a good hosting company (very Important). Depends on how crazy you want to get with mods, but they are not necessary if you're concerned about budget. I learned everything as I went, bought 1 template and 1 youtube mod. The rest of the cost was my own sweat. You can't get away without that.
Keep with it. You'll be fine.
Someday, Someway.