I have several small album that hold ten sheets. They have posts. Of course, they can be extended. However, there is a struggle in getting the extra protectors in and the ever-threat of the album popping open. No slippery mess to clean up off the floor! The D-Ring stops that problem!
I do digital scrapping, and have easily gotten 70 sheets in them. My layouts are not typical photo paper, so I believe I can go up to 140. So, I purchased the American Crafts 12X12 Album and the American Crafts Page Protectors to go with them. I can move the whole page if I want, they are wider, flipping won't bend them. I can put more of these in the large ring binder.
I just purchased my fifth Customizable American Crafts Modern Album. It is perfect for my needs. The D-ring album is so simple to use. I hated trying to add and rearrange the pages in my other albums, tying to put the new layout in chronological order. This takes all the frustration out of adding new pages and rearranging existing pages. The album also holds a lot of pages and they are easy to flip through and view.
I think the decision was the best I ever made!