If you want to insert a picture in the rich text editor directly from your computer, you will notice that the RTEUploadDialog pops up in which you can browse for a file and select a location.
Unfortunately, you can’t set the default location.
Option 1: Because the “Upload to” dropdown list is filled up alphabetically, you can rename the library you want (eg. let it start with an underscore).
As far as I know, this page is not only used for uploading images, so you probably have to take into account the querystring parameter ‘Dialog’ (/_layouts/RteUploadDialog.aspx?LCID=1033&Dialog=UploadImage).