Sometimes, I merge in the light setup, so that I can check if it still looks the way I wanted it to.
The picture frame was a tricky thing to do. First I tried to change the photo texture, the way that I could displace the geometry with it. But, indeed, displacement maps can't always be the answer, so I ended up with poly modelling the corner details and pulling out some vertices to model the shape.
So with the modelling done, I now can start with doing the textures. With most of the maps appearing in the scene are photo textures with dirtmaps.