I just use Photoshop to do them. Just say you are making a 10x10 book. The open page size would be 10x20. So for page spread 1, I choose the pic I want as the background, and crop it to be 10x20 at 300 dpi. Add whatever effects and filters you want, such as black and white, blur, glow whatever and the background is done. Then choose the pics for the page. You want a 4x6 next? Choose your pic, set the crop tool to 4x6 and poof--the first picture is done. Each pic is on its own layer and can be moved separately to wherever you want on the page. You just keep building with layers.
Thanks, Julie. So how does it get from that point to being in a book?