She has a right to be paranoid - someone from this site stole one of my photos of one of my snakes and used it on their website with out permission - though, in hindsight they didn't make money out of it (I doubt) and really in all truth I was kind of flattered.
But I agree - Watermarks etc help reduce the incidence of theft.
But on the same token... no one will be able to make money out of your photo of a cricket... and if you're proud of it (which by the sounds of things you are) you should be free to display it...
I think I have a pic of a cricket up here somewhere.... will see if I can find it.
Putting writing over the pic so someone has to spend more time photoshopping it all out than it's worth. Still, I care little about my pics, go ahead, use them, I take pics only for the enjoyment of showing others and always trying to get that perfect shot.