photo site service

A year ago I started looking into photo sharing sites. My rules were simple: My friends and family shouldn't have to join to see pics. I want them to be able to download the FULL high quality version. I want to be able to password protect specific galleries. I want an easy to navigate site for the upload process and viewing experience. I checked out Kodak, Snapfish, Shutterfly, Winkflash, Dot Photo, and Smugmug. I WANTED a free service, but ended up paying for Smugmug. Soon our year subscription will be up. Anyone have any suggestions?