One of the above links addresses this. You do not want to "work around" the limit, you want to get those photos smaller - for a variety of reasons. The thread I started for this is referenced above, but here it is again:
HOW TO: Re-Size Your Digital Photos
The thread was originally a Windows XP only solution, but I am hoping that it may also serve as a general thread on the topic of re-sizing photos (I changed the title of the first post, but apparently the thread title doesn't also change). If anyone has any better suggestions for other operating systems, please add your comments to that thread (not this one). Thanks!