What URL should be used when a feature links a image to wikimedia commons?

This is at least a problem for OsmAnd:

A data consumer could add special logic to resolve a URL to a file description page to the canonical file name. However, I don’t think mappers can take this fallback heuristic for granted if they want to ensure that the image works.

The problem with both keys is that they presume a single best image to represent the feature, which isn’t always possible. At least wikimedia_commons=* can be set to a category name (beginning with Category:), which a data consumer can then resolve to a whole image gallery if it wants.