I've put the photo masks onto Stapled Photos Layered Templates (I also used these last year - I love the dimension they give).
Then I selected a range of paper packs that had subtle patterns and colors that would work with my photos such as:
templates and paper packs are ALL 30% off at Designer Digitals this week!
So if you were thinking of starting a larger project like this, it's an ideal time to do it!
I have also used some favorite kits from Lynn Grieveson, such as Stormy Weather Kit, Wild Weekend Kit, April Morning Kit, and a variety of brushes. A few pages are below, all linked to my DD gallery where you'll find the credits if you want to know more.
So once I'd settled on the basic design, a few templates and paper packs, the rest seems to fall into place fairly quickly. It needs to, because this album is 100 pages long!!
... back to that grindstone... ;)