If you understand the principles behind website templates you will immediately see the huge benefits to WordPress template systems. Basically it is designed to hookup automated template ideas to a system via which a client who knows nothing about anything can access your site (behind password protection obviously) and update and manage the website that you leave him.
Would you like to get enough ideas for your scrapbook album? You'll be able to find a lot of these which includes templates that would help you a lot in creating a very good work of art. Since this scrapbook album would be a treasured part of those memories that you will have to cherish in the time yet to come, you better be creative in accomplishing this.