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When I suggested the custom avatar option I meant the ability to insert any avatar image of my personal choice not necessarily the one used for my forum identity. The forum avatar might be tied to the signature campaign, and I’d prefer to have the image on the card that’s independent of that, something that I like and reflects my personality instead.
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My reply was actually addressing zoomic's concern regarding LTU_btc's response. Your current suggestion is solid, but if you look at your earlier reply, it sounded more like inserting a default avatar rather than allowing users to upload a custom one. If both options can be supported by OP, then that's much better.

However, allowing image uploads might require the OP to implement some security measures, such as file validation, and possibly set limits on image size to avoid storage issues, which is another work.
Alternatively, allowing users to insert an avatar via a URL (like from Imgur or TalkImg) might be a simpler and more storage-friendly approach.