I don't start with a template but I generally do start with a photo(s) in mind and then open up a kit that will coordinate with theme/color (although color isn't too important b/c I can recolor in PS as needed).
I generally wing it, although may have a bit of a design idea in my head. As I add to the page I move things around and often find that even if I had a design idea, it generally morphs into something else as I go along.
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