Putting objects on realistic 3D image surfaces requires a good eye to find an image on a stock photo site and some skill in PhotoShop. LiveSurface aims to make life a little bit easier, if focusses just on these types of images and the file you buy has everything you need (layers, filters). Still, you need to know what to do in PhotoShop though and you pay for the extra work through a higher image price.
The above was created from an iStockPhoto image that has increased in price since I purchased it a number of years ago (see earlier post)