Bill here in Australia we have the same system as you. We pay a monthly flat fee if on broadband or a flat monthly fee plus a local call charge if we have dial up and this fee only applies once per session on the net. so if you hook up once a day you only have one local call charge added per day. The only extra fees' you would pay for downloading (or uploading) Photos would be if you have reached your maximum MB limit for that month.
That is unless you have unlimited time and up/down loads like me.
