Tacit,
all newsletter I get are remote hosted. I've never even seen embedded. Many newsletters have 10 15 images. Would the receiver get 10 jpegs attachments?
and
1) as you said, don't many have filter to block attachments from those they dont know? for viruses?
2) How do you make a newsletter with lots of embedded images? Can you do that in dreamweaver? When I send image attachments, they just go where they want to.
3) is my friend correct that there are still lots of people who don't know to click the "download images"