This problem has another aspect to it. My own site gets a lot of traffic from Google Image Search and if the file names are changing that's BAD news on the SEO side of the equation. I don't see why there can't be a way to name images in your content what you want .... I've always named images in a keyword-sensitive fashion and that has worked well for me.

I saw the naming restriction right away so to work around that I ALWAYS use the image description tag in the web properties CP ... I hope that will offset changing image names whenever I update!

This is a big issue on the SEO side & I sure hope the developers are pulling out all stops to write a patch!