If you have access to a *nix system with Perl, here's something I knocked up for my own use; probably not quite as comprehensive as you'd like, but it does the heavy lifting (automatic thumbnails).
I refuse to tie my hands behind my back and hear somebody say "Bend Over, Boy, Because You Have It Coming To You". -- Linus Torvalds
Kodak used to have one whenever you ordered a Photo Disk, which are now Photo CD's. The old one even had a neat option to make a spinning cube with 6 photos in it, that you could spin, and stop to zoom in on one. I think it was even web-ready.
The Photo Disks used to cost $7.95 in addition to the cost of the prints. I have a few old disks laying around somewhere.