I can't comment on the margin bit, sorry, not quite sure what you mean by that, I only have margins if I'm writing a letter (bit dense this morning). I have lots of other digi kits, bought online in the dollar sales, (downloads from the USA) and I  can use any of those, and you don't have to search for them when you've transferred them because they're already down the side for you to pick and choose what you want to use. I had the GCF DL, and the next one...Scrapbooking DL?....could never get my head around it TBH so uninstalled it, it used a huge amount of space up on  my old PC.
 Still we all get used to what we know...I still use PSP all the time...but mine is an old programme now and I won't update because it seems to be geared more for photography than anything else.
I just find CAP so quick and easy to use when I want quick cards made (and I haven't learned even half of it yet) but am determined to get my head round all of it soon. xx