I upload photos after changing the unique file reference to a meaningful title but it does not appear in the blogs.
Adfing Titles/Captions to my photos
You can insert a photo into a blog entry with or without caption. It's without if you click on "thumbnail" / "Rgular" / "Large", it's with caption if you click on the small icon to the right of that text. (Which is not very discoverable to say the least.)
Do note that if you do insert with caption, that caption wouldn't update if you change the title of the photo later, as it isn't dynamically linked, but just puts a "caption=(your caption here)" bit inside the code for inserting the photo. (That does give you the freedom to manually edit those captions and use the same photo with different captions in different blog entries.)
Thamk you very much for your prompt reply.