I used a die to cut out snowflakes and a greeting on one half sheet of kraft card. The process was then repeated on hand painted cardstock. Once all the fiddly bits were removed from both, the coloured version was laid inside the kraft card and stuck into place. You can see this process on the right hand card, which also had a thin line of matching colour placed around the edge before it was stuck onto a whole card:
These next cards were die topped cards, using hand painted, die cut card as toppers. The bell on the left was done as a separate half sheet, gold put around the edge before being placed on a whole card. The blue snowflake was worked on as a whole card:
For me, I think less is more.