Amy, yes, digital scrapbooking has options that are impossible in traditional paper scrapbooking. That is one reason some people do convert to digital although you don’t have to give up your paper tools! Your photo is so well showcased. I bet your family is proud of what you did!
Fay, for the Text tool, if you happen to activate a different layer or a different tool, it will usually apply automatically. It is mostly if you want to change something in the Materials palette that it can mess up things. I am glad to hear that you are more comfortable with your more recent version of PSP.