I actually have a master project called Keepers. Inside that project I have different bins, like Custom effects from BCC, SApphire, DFT, etc. I also have a Generic broll bin that has exactly that- generic lighting, crowd shots, animated bkgds. I also have a bunch of bins with music and one for SFX. So you get the idea. So anytime I start a new project, I can just import those bins and have everything handy.