At least for your Hat Throbs title, there's no need to do anything with multiple layers (at least in Paint Shop Pro v.7).
Using PSP terminology, the blue is the fill, and the black outline is the stroke. For the example below, since I couldn't find a nice casual bold script font like the font in the original Heart Throbs cover
, I instead used the Wide Latin font (which was way too wide, so I squeezed it to about 50% of its original wide). I then made the stroke width 4 (pixels) to match the width of the black outline of the "THROBS" text.