For actually printing photos at any size and exactly where I want them I use MS Publisher. I can insert any captions that I want at the same time.
There are other page processors about, but I am used to Publisher, and like BY says, once you are used to a program, you need a really good reason to change.
PSP is good for editing and it has a nice browser, but mine is an ancient PSP5 which was a mag freebie mmphmmp years ago. Does its job OK, though.