Ronny,
One of my online photo gallery is
Photos.crovean.com and I also own the domain name
crovean.com but this gallery is actually a smugmug hosted gallery. Which I pay them to host(Park as you say) my images. Honestly I could host my images myself but to save me the trouble of going thru all of that I just paid $150/year. What I get from it? A fully operational eCommerce site and an online gallery. By just saying that it made the $150/year so cheap now doesn't it?
To get back on the topic, if you are really serious with your photography try to get
smugmug or zenfolio. This two is what I can recommend. I would favor smugmug more since I use it myself.
Competition & Advertising money keeps them free. Now what if smugmug raise their fees? I doubt they would, there's a lot of competition out there that you can just move. Well maybe not me. I could still pay for it as long it has value to me.