Here's how I "play" with textures. I send my photo to Photoshop and open up several textures. I'll add layers for 3+ of the chosen textures and then play around with modes (usually overlay, soft light, and screen) and opacities and I'll liberally turn layers off and on and try them with different combos of textures layered on each other.
So, here's my test photo, sans texture:
I've layered 4 of Shana Rae's Florabella textures on it: Artiste, Moulin Rouge, Vintage Autumn, and Mai Tai (only Artiste is turned on below).
One of the surprising [to me] effects of textures is the warming/cooling/changing-color-tone ability of different textures. In the photo below I have Vintage Autumn clicked "on" at 100%. You can see how it warmed the photo and gave it an orange-ish glow.
And here's how my final photo turned out. The recipe:
Vintage Autumn - soft light - 27% opacity (for subtle warming & slight vignette)
Mai Tai - soft light - 52% opacity (for slight light tweaking & texture)
Artiste - soft light - 92% opacity (for stronger texture)