I think I finally know Photoshop enough to do something with it. I made my first digital scrapbook page and I'm really pleased with it.
I can make or buy as much digital paper and clip art as my terabyte hard drive can fill. Everything matches and neatly organized this way.
I use Colurlovers.com for color inspiration. You can create a color palette and import it right into Photoshop.
I have even put some in my store.