1 - I'm sure there are, but not on this site - LOL I know I wrote one for Netsurprise back in the day, but I have no idea if it's still on their site.
2 - personally, I wouldn't go more than 3 galleries on a free site - 30 free pics is enough for a free site
3 - the 3 banners/ads rule means that you can have 3 ad spots per page, so if you had a banner on top & a banner on the bottom to the same sponsor site, that'd be 2 ad spots.
4 - some will count this link as one of the 3 from #3
5 - exit links are not required, but are pretty much standard practice for me.
6 - most people put them on the 1st (warning) page but I think most Link Lists allow them to be on the 1st or 2nd page
7 - the number of recips is more of a design thing as opposed to a set number - if you can get 12 on the page & not have the page look like shit, go nuts
I usually do 9 (3x3 table)