Okay... so I'm now two of two on solving my own questions. I guess writing them out helped me solve them. ANyway here's the solution I was looking for...
I made a small set of edits in album.php
<div class="container">
<?php $c=0; while (next_album()): ?>
<div class="one-third column album">
<h4><?php echo getBareAlbumTitle();?></h4>
<h5>SubAlbum</h5> <===New !!!!
<a>" title="<?php echo gettext('View album:'); ?> <?php echo getBareAlbumTitle();?>">
<?php printCustomAlbumThumbImage(getBareAlbumTitle(),null,420,200,420,200,null,null,'remove-attributes'); ?>
</a>
<div class="album-meta">
<ul class="taglist">
<li class="meta-date"><?php printAlbumDate(); ?>
<li class="meta-contents">
<?php if ( (getNumAlbums() > 0) && (getNumImages() > 0) ) { $divider='- '; } else { $divider=''; } ?>
<?php if (getNumAlbums() > 0) echo getNumAlbums().' '.gettext("subalbums"); ?>
<?php echo $divider; ?>
<?php if (getNumImages() > 0) echo getNumImages().' '.gettext("images"); ?>
</div>
<?php if (function_exists('printAddToFavorites')) { printAddToFavorites($_zp_current_album);} ?>
<p class="albumdesc"><?php echo strip_tags(truncate_string(getAlbumDesc(),80,'...')); ?></p>
<hr />
</div>
<?php $c++; if ($c==3) { echo '<br class="clear" />'; $c=0; } endwhile; ?>
<!-- Start Images -->
<hr/> <====New !!!
<h4>Album Images:</h4> <====New !!!
The changes begin at line 34.
I hope this helps someone.