Clipart is nothing to be ashamed of. While some graphic designers may be wonderful illustrators, a lot of them are not. That is when clipart is most useful. There's no need to spend hours trying to create illustrations when clipart can meet your needs. However, it's not a wise idea to use clipart images straight from the web or a CD without modification.
For creative souls that love teddy bear clip art, you should have no trouble finding what you need online. Either try the websites above, or search for some other sites that offer cute images. All over the web clip art is used, for crafts, and for scrap booking. The best is the free kind, so get as much free as you can by doing a proper search.
The best option is to search for sites that provide the original vector image, or a high resolution bitmap, and then use software like Photoshop or Adobe Illustrator to resize or manipulate the image into your digital scrapbook, or before you print it. If you are on a budget, you can also use free image editors such as Inkscape or the Gimp, although there is also a lot of mid priced software available as shareware.