I guess my main advice is to plan first. Theres nothing worse than having some 160 images on your cpu and not having any direction of where to take the story.. and trust me thats happened before..
However I start off with usually A4 and work on my basic idea of the story seperating each scene or picture with a bullet point or *
I add any major notes or point of interest with a different colored pen (usually red) so it stands out.
Once I start taking pictures for each scene to fit into the story its really then that my creativity begins.. because I usually have a different angle or approach to each scenario.
The actual speech is added in the photo editing program at the end. Usually using the notes I've done on the script. The whole storyboard thing comes into play when I add the images together using WMM.
Using this setup I've rarely come across a situation or photo/pic I havent been able to do.. and I think its because its well planned.
The downside to doing it this way.. well you have to have alot of time.. something I have in abundance...

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"I can glide silently and land without a sound, I am the eerie presence in the pitch black room"