Also changes the avatar from a jpeg to a png, to allow for
transparent background. The indexed png is also smaller in size.

Note that at the moment the default avatar is only used when
the user requested a custom avatar and the custom avatar file
is not found (should never happen).

In the future the default avatar could be used as a default
return when by-mail avatar lookups fail too (both gravatar
and libravatar support passing a default)