Well ... the problem is that if you just block the upload, it did not block the Add to Cart ... so you would have Guests with Products in the shopping cart without their uploads ...
You could try to build in a special test on the products that if they include upload attributes ... then the Product cannot be added until the Guest logs in ...
This would be a lot safer and ensure that a Product added to the cart has all the peices and parts to it ...
The Add to Cart/Buy Now are controlled via the function zen_get_buy_now_button in the functions_general.php ...
You can look at how the Customer Authorizations are done and do something similar by adding a test to see if the Product contains upload attributes ... and then send back a Login link instead of the button ...