/Thanks David for the nice intro, It's all true OK if I understand the orginal post correctly your looking to have predefined pages for an Album ?? so you can drag and drop, job done !
Well if you are photographic based you could try any of the progs that the Album Manf' offer mostly free, but that ties you into there stuff, if you want more flexibility then take a look at Timeexposure.com ProSelect 4 (yes I am an agent, but after I bought the prog cos it's the best thing I know for doing a work flow for my studio )
It offers page make up and production thru Photoshop scripts (Min req CS) so if you have PS CS or Later then look at that.
If on the other hand you want this option in layouts only on an ocassional basis then look to Desk Top Publishing. Most of them now are moving into this area,
One I have used for years is Serifs Page Plus, it comes with some clever bolt ons for photography "PhotoPlus" its priced well and is very flexible. But as with all software as it matures over the years, more and more features are added, so the learning process gets tougher and tougher, so in it's curent version you will need a little time to learn it, but a couple of weeks should see you get what you want. or......." I refer you to Davids comments"