Although you can add a <Header> and <Footer> tag under a PhotoDetailPage tag, since there is only ever one photo on a PhotoDetailPage it suffices just to put everything under an Image tag. This makes things a little simpler.
As you can see in the tutorial_simple template, there are a number of variables made available to the detail page which include:
{IndexPageFileName} used to link back to the thumbnail index page.
{ImageFileName} filename of the photo. Used in the img src line.
{ImageWidth} width of the image as specified by the user when they generated the web gallery.
{ImageHeight} height of the image as specified by the user.
There are other variables as well. See the Template Variable Reference for more information.
NeoPhoto will generate one detail page for each photo in the album. NeoPhoto will automatically resize the photos to the size the user specified.