Joni... your poor poor signature.. I hope it's going better for you! If you have any questions or are stuck on something just holler... we've got some awesome psp'er guru's around here!
I'm so jealous your a Grandma... I can't wait!
oh and on the templates.. yep, you sure don't need to use every layer :) so you can make good use of them.
Also, the quickpages are even easier if you can find a theme that will work. I know we need more "kid" friendly quickpages and look for those coming soon!
Anyways, great to meet you!
Edited to add this link to Alice's wonderful Tutorial for using templates with PSP: