I love pictures on my phone - what does zero article imply?
Solution 1:
The most natural interpretation is I love the ability to have pictures on my phone, which is essentially your #3. A native speaker would not interpret it as #1, #2 or #4. If you inserted the definite article ("the") before pictures it would no longer mean #3, and #1, #2 and #4 would all be plausible.