Hi Chris,
Yes you are correct, just drop your images into Photobook Designer. Template one is good if you don't want borders and just dropping them in the background will work fine as well. The background doesn't get any sharpening or colour enhancement (which you may or may not want, depending on your scrapbooking ability).
We trim the whole lot at once, so will trim up to 2mm, depending on the pages shifting slightly when we trim. It's really very little, but you do need to be aware of this when creating pages. Thin borders and text right on the edge, can be affected.
Just be aware that adding a thin white border, is still adding a thin border. You may lose some or all of this, so just end up with a mess. If you don't want to lose any of your image, then drop it into a smaller template, so that you have a large white border on that page.
Yes just make a note that it's to be loose pages and we will send you a separate payment request.
Cheers,
Suz