Ya gets what ya pay for. But even though Directnic is a bit more than some registars you get hosting included if you wish, the banner is only for their hosting service so it is not competing for your adult dollar. You can only post images on the free service but it is fast and reliable.
Their bannerfree hosting is a bit steep for galleries, $15 for 2 gigs (or 1 year, whichever comes first) but that's good to host a front page and link stuff hosted elsewhere. I use that for a couple of low graphic portal pages and host content of any size on my main hosting account.
They don't have a POP account but you can set it up to forward
[email protected] and set your regular mail client to send as that
