Scott, Modelhead,
Thank you very much - some great recommendations there. It is clear that Photoshop (or it's various cousins - I'm on a Mac and using Gimp, Pixelmator etc.) is pretty essential. I have had some success with Gimp by taking a basic board, and copying/modifying it in various ways to create larger panels. Gimp's Liquid resixe and bump maps help create some pretty good looking images that then serve fairly well for the size of furniture I am working with at the moment.