Your question gave me the urge to experiment.
It is easy to create a page in Pages, or Bean, or whatever, save it to pdf and put it on your computer. Then right click that page and go to "open in" and have it open in Safari.
Once it does, go to Safari Preferences, click on use this page as my homepage, and from then on your created pdf page will be your homepage. You can create something with photos and links and whatever, and turn it into a variation of refdesk if you want.
Kind of fun, though I like the simplicity of Google as my homepage. Give me a chance to get lost in the web and I sometimes don't pick my head up for an hour, just wandering around.
Hugh