This template really made scrapping this idea easy. All the paint layers have papers clipped to them. Once the background and paint looked right, I added the photo then elements over and under along with the word art.
Wonderful template, ladies!
Backgrounds: top – BGS 01 in Darken mode over BGS 11, bottom – BGS 01 in Lighter Color mode over BGS 06.
Paint 02 is used as a photo mask.
Lower right the element was not recolored but selected portions are made into an overlay.