I first saw digital scrapping over at 2Peas in January 2003 when Ali Edwards was posting her digital AAM pages there. Over the next couple weeks, I was able to get an academic version of PS, found a digital scrapping site (the first one to be exclusively digital as a matter of fact), and began to play.
I hate working through tutorials & I rarely scraplift, so it was 99.9% trial and error, just playing around and following the trends. Things have REALLY changed since then, and I like to believe, at least, that I have gotten better and streamlined and refined my process. Templates were not 'invented' until a couple years ago, so my first few years were solid me & whatever my brain came up with to do on the page.
After awhile, you just get a pretty good sense of yourself. I know that most of my pages use 1-2 papers & many many elements, so buying stand alone paper packs or kits where I'm not crazy abt the elements is a pretty dumb thing for me to do. Along the same lines, I do not use real/extracted items on my pages or lots of fairydust/wing/storybook type things, so even if I'm attracted to that kind of page or kit somewhere, I know that the process leading up to something like that is too frustrating for me and will be a waste of money.
Ultimately, my goal is to get as many pages done as I can, so if that means simpler pages, pages with templates, or any other 'trick' I can think of, sobeit. I'm not interested in becoming a designer for the same reason; why try to make something if it already exists & I can just get it and be done with it? Once you figure out what your goal is in scrapping -- to get pages done, to flex your creative muscles, to learn everything abt your program, to make everything you use --- it is much easier to go along and avoid setbacks.