I would like quotas to only restrict member albums, not ALL albums

Hello -
I'm struggling with getting gallery to work best for my situation.

I have a community site, where members post photos of various events. The albums are broken down like so:

2006
-Event A
-Event B
2005
-Event A
-Event B
Member Albums
-User 1
-User 2

Member albums are great for posting photos from events that aren't worthy of their own sub-album within the year. I like having one album here, where anyone can add photos, and if they wish, a member can add a sub-album, and add in all their photos.

I don't want to limit users at that level. However, I do want to limit them in their member albums. I don't want them have 20 albums and using up 400mb of space.

I was thinking I could restrict them using the Quota module, but that limits what they can upload to the communtity albums, and I don't want to do that.

Any recommondations on the best way to handle this?

Edit - added this post to the administration and configuration forum, before I noticed I could change the categories it belonged to.