Glad you found a solution. A couple notes:
1. I don't understand why you needed to create a role with no rights. Seems like that would have no effect.
2. By default, the user album feature will give each user admin privileges to their album. If you want to give them read-only access to their album, modify the permissions of the Album Owner Template role. To see it, select the checkbox 'Show roles that support the album ownership and user album features' on the Manage Roles page. Note that this change only affects user albums created after the change; to modify existing user albums, you'll have to edit each user album role (which, again, can be seen with the previously mentioned checkbox selected).
Roger Martin
Creator and Lead Developer of Gallery Server Pro