I don't know if any programs will automatically rename a list of files with the push of a button, but this would be a valuable tool...
If you like the hosting sites that's fine, just be sure to keep a backup in case something happens with the site or they suddenly become friendly with ebay. I would say hosting your own pics is the ideal solution. You might pay somewhere around $5-10 a month for a hosting package, plus around $5 a year for a domain. If the ebay id gets bumped, set that domain aside and get a new one. This costs around the same or less than a lot of paid picture hosting services out there and you may get additional use of the service.
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