what "printer-printable" file types are available for both inserting graphics and writing text?

Largely depends on what your focus is on... If you just want something that is "printer-printable" and can be generated automatically (which I suppose, otherwise why would you be looking for a "document::writeword"-sort-of module), I'd suggest PDF.  It can handle images and text, allows near perfect layout, and can be viewed/printed cross-platform. There are several CPAN modules that allow creation of PDF files (e.g. PDF::API2).

The downside is that once created, it's difficult to modify it manually (i.e. you can't edit it like a Word/Excel document, and you can't use your favorite text editor to modify it). And you have to do most of the layouting yourself. This is because PDF has been designed as an output format for printing/viewing, not for word-processing per se. In case you want automatic layouting, you might be looking for something like Latex (which can generate PDF as output, btw). — Just some thoughts.