CFG,
Under your nose! Somewhere around 3000 captions on two threads in ... Cuckold Captions.
The problem in doing it like the above is that many (most?) people will be looking at the caption on a mobile phone or tablet and the screen is not usually enough to show the image nor the text big enough to read comfortably. You can create a text box on the picture but that usually divorces your words from the subject. It never looks like dialog. I have no hesitation in recolouring background walls, removing clutter etc.. just to get my words in, but the key image is the person(s), which is what attracts everyone to open it up in the first place. There are some images I love but just can't find a way to use. Just as there are some that can't be sucessfully transferred to Fakes.
I'll leave it there. I don't want to hijack your stream of ladies ...