Hi edjaned,
In order to create a listing with more than 16 images, you could place all of your images in excess of 16 directly into the description editor using the "Insert an Auctiva Hosted Images" button on the bottom-right of the editor toolbar. This particular button has a mountain/sun icon on it and you will not be charged for images placed in your listings in this manner either.
One important thing to be aware of when creating this listings is that any images placed in the "Select an Image" boxes will be resized to 400 x 300 px for display in the listing, and those images will have the "Click to Supersize" option. On the other hand, images added directly into the description editor will appear in their orignal sizes in the listing and will NOT contain the "Click to Supersize" option.
Another option would be to post the listing with only your first 16 images in the "Select an Image" boxes and then once the listing is posted, to add the additional images using the "Add Images" button on your Auctiva active listings page.
-Mike