I think Birthday cards are what I make most of that I personally use. You will love having a paper cutter - it makes everything so much easier!
I think if there were levels, it would go scissors, paper trimmer, paper cutter (bigger than trimmer), punches, then Cricut or some other cutting system.
Cards can be made with unique items more than scrapbooks. I hate to say this, but most people don't keep a card as long. And, they don't have photos to be careful of (in most cases.)
If you post any of your work, I bet we'd all love to see it!!