I was half way throught replying but got interrupted and Sleepless has said it all just as well if not better.
I only add that there is debate as to whether the freeloader filter actually works. Officially it hasn't worked for ages. Unofficially some people say it does still work ....
My main objections to uploaders are those who queue huge numbers of unrelated files, are clearly thoughtless and greedy, and for that reason quite probably freeloaders as well. They don't get much off me
