I do not use any templates or software (besides photoshop) to create my album layouts simply because I find them way too restricting. Its always tough to find a template that looks exactly what I want the layout to look like. I have played around with YSI and Montage in the past only to find its easier for me to create the layouts from scratch! Of course now I have gotten pretty fast at getting layouts done.
Oh and just a quick note, I never limit the number of photos my clients can choose for their albums. I recommend keeping it at less than 5 pics per page, but I do have some rather ambitious brides who pick over 500 pics for a 32 page album. Keep in mind 500 pics in a 32 page album makes a very crowded album! I have thought about limiting the number of images, recently, but decided this is one of my key selling points. You pick the images you want in your album and we go back and forth an infinite number of times until you are happy.
Here are some of my fav layouts from the past few albums I am working on...