Just to update, I did get a single upload form to work on my remote hosted server, using <?php ini_set('memory_limit', '256M'); ?> on the first line of my page.
The files tested were 1.1Meg images. First uploaded full size and res. Then I changed the behavior to convert to JPG, quality of 70, and resize with height of 450px. It worked great. Looking online, in the images directory the file that was 1.1Meg is now 76k.
This was a very simple basic page however. I will test the insert page next.
Now I just have to figure out why the progress bar is not working...(different thread)