Wikimedia wikis, including Wikimedia Commons, require contributors to agree that a hyperlink is sufficient attribution. However, you can of course provide more explicit attribution as a courtesy.
I would recommend continuing to link to the file description page rather than the raw image. The raw image URL is not a permalink: it will break (becoming unreachable) if someone uploads a new revision, for example to perform a touchup or correct metadata.
Commons also has a system for tracking images that OSM uses, to avoid needlessly breaking us by renaming files. This system doesn’t work if you use a raw image URL. That said, I think it’s only actively tracking the OSM database and wiki, not this forum yet.