Not done any web design in like 10 years either but I used to use dreamweaver myself, I'd do the cut up image thing, stick them in tables, make the top and bottom centre cells go to 100% width to fit the browser window, the image would be set to the cell background to make it repeat to fill the cell width. (I think)
Saved it as a shtml file so I could do a server side include, aka have the info in a separate html file that would be inserted in to the central middle cell, same again in the left middle cell as a content menu or whatever.
Fonts would all be set as CSS in the main shtml file.
No idea if that was the "right" way to do it but it worked well for me back then, everything seems to be complex CSS template things these days, which I haven't got a clue about.