Yes, you can have comments.
You can install multiple copies of WP each in their own subfolder. You can also have categories within the blog itself.
You can upload photos with WP. There are also plugins that you can install that will work as a gallery with WP. Haven't done that but have uploaded photos to my WP blog.
The best thing to do is install it and play with it. If it's not what you want you have only wasted a little bit of time.