BuddyPress.org

There is a plugin for a photo, gallery, /audio that hookes into their profile.

When users edit their profile, if you add custom profile fields via admin, every word they fill out will become a tag to member searches and inquiries, so lets say a member puts in their location as “Kentucky” If any such user would to search on the site “kentucky” that member would pop up.

For the chat, I would recommend evolve chat.