I have Photoshop Elements 10 and it's got some effects.
After this post, I found software (can't remember the name) which is ideal - but is $20.00. I may end up buying it - but I wanted a free alternative, as I'll use 3 or 4 effects at most.
What still gets me, is that we spend a small fortune on the top of the line DSLR and the f2.8 glass, only to slap a "lomo" or "holga" filter effect on the final image
Bought Smart Photo Editor (http://www.smartphotoeditor.com/), but only use 2 or 3 effects ... a little silly :/ I'll start exploring others and trying out different photos too. The main effect I use is on some free program I used.
I think filters/effects on some photos add hugely to them. I know the band stuff without looks pretty boring and they just add a mood that is sometimes lacking ... .especially if the band doesn't make use of lights etc