With the help of a few members who are literate in image handling, I have a viable technique for loading a variety of image formats from a resource file and converting them to bitmaps so they can be easily used in normal Windows API programs. The different formats seem to have different uses, PNG with its alpha channel support is the right choice for toolbar strips, for conventional RGB image data (photos etc ...) JPG is both flexible and able to be compressed to small sizes if you are careful with the level of compression chosen, TIF seems to work OK with alpha channel images but not as small as PNG and GIF if you don't mind a loss of image quality. There may be others but I have not tested them.
The attached zip file has to have its components added into the MASM32 installation manually as I don't know a safe way to do it without risking destroying any non standard modifications that a user makes.
1. There is a library module and the main INC file for the m64lib directory.
2. There is a later version of the macros64.inc file that must go into the macros64 directory.
3. There are a collection of QE scripts in the script64 that most go into the script64 directory.
4. There is a text file in the zip root dir called "menu_addin.txt" that shows what to modify in the " Edit - Settings - Edit Menus " to make the scripts available from QE.
5. There is a working example called "jpg_image" that is buildable
AFTER you put the rest above in place
AND run the "makeit.bat" file.

Any feedback is welcome if its well informed.
LATER : Make sure you get the "
masm64rt.inc" file posted below that I forgot to put in this zip file. It goes in the include64 directory replacing the earlier version.