*Well, there's an ongoing debate on what sort of statement satisfies fair use terms, but here's an example of an album image/summary that fulfills fair use terms: Image:Gu009.jpg.  Something along the lines there should be fine.  People have different opinions on what satisfies a good  justification, but something like that should satisfy anyone.  While album covers usually fall under fair use (for the album articles), copyrighted/non-free photos should be avoided wherever possible in favor of free material.  You might want to take a glance at WP:FU when you get a chance, specifically #1 under Policy.  For living subjects, non-free photos are generally replaceable with free ones, as people can simply take photos of them.  This is especially true with bands/performers, as they make regular public appearances.  Anyways, the use of non-free media is one of the stickier topics on Wikipedia, so in general its best to only use it when necessary, as Wikipedia is supposed to be a free encyclopedia after all.  For example, I see you've been working on the article Rosko.  Right now there's a non-free photo used as the lead photo in the article.  While not an immediate issue, this should eventually be replaced with a free image.  This could be either a fan-taken photo, or maybe a professionally done one that the artist could donate to the site.  I've written to a few DJs, like Chris Fortier and Phil K, who agreed to license some of their promotional photos under a Creative Commons Attribution license (meaning that they allow anyone to use the photo for anything, as long as they are credited).  Any more questions, I'm glad to help out.  -)