Hi,
I had a similar issue related to the "Simple Folder Gallery" which is fixed now. Most likely the same solution cover the standard gallery as well. Regarding user not having the ability to modify settings, there is a negation-permission that can be applied to a role.
Please see the thread: "Permission to upload files" http://www.mojoportal.com/Forums/Thread.aspx?pageid=5&mid=34&ItemID=5&thread=4079
and also the thread: "Configure jQuery Cycle plugin" http://www.mojoportal.com/Forums/Thread.aspx?pageid=5&mid=34&ItemID=5&thread=4073
Especially the last posts in the jQuery Cycle-thread, since it covers the issue that you may have.
Best,
/Mats