You posted this exact same report on McAffee site advisor under the name of Critic 10 in what seems to be a deliberate smear campaign, since you did this for a bunch of other websites as well as adament15 has pointed out.
I greatly doubt that your story is true due to the reasons listed below, but if your story is indeed true and you Google blue screens of death you will find out that they are usually caused by hardware failure or software malfunctions, not by simple innocuous images. The only possibility that comes to mind if your story is true is that maybe your processor had poor ventilation due to dust accumulation and since large images usually use a lot of processing power this may have led to your processor overheating. Therefore, this would not be the fault of our site in any way, but would rather be related to your personal computer. Actually, this would point to our offering super high-resolution images to our members, which is a good thing. All modern processors will never have any issues related to our images, even overheating.
Dell's extended warranty only covers hardware. So the fact that they replaced the laptop for you points to a hardware failure. It could be that the entire ventilation system for your laptop was faulty.
If your computer had the same issue while playing Crysis (a resource-intensive video game) you would not blame Crysis, would you - given it is not a pirated copy?
Also, a refurbished laptop is a completely different laptop, and if you indeed received a refurbished laptop then it would usually come with a new hard drive, and then you would not need to erase or format anything. Since it will be a fresh hard drive, you will have to restore your data from a backup or something similar. Formatting and reinstalling implies you had the same laptop with you, and not a refurbished one, and that makes your whole story crumble IMHO.