Well I finally got HDWalls to work (again!... gotta write the steps down this time).
This is my home screen now and I can't imagine changing it again. These are my children and grandbabies. I used an old version of Paint Shop Pro to work up the collage and I used the original lock screen background (with a slight color change) for the background. Having a darker background let's the text show up better too.
Now to change the actual lock screen to match the background color...
