I don't think you'll need a snippet for that, unless I'm misunderstanding you.
Put your tag in your CSS file:
#top_photo{
background:url([[*top_photo]]);
}
Then put just the URL of the desired image file in the TV.
That should do it. MODX will replace the tag in the CSS file with the content of your TV.
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BTW, I think all the snippet does is inject the tag for the CSS file into the head of whatever template you use. The point of the snippet is to specify *which* CSS file you want to use. You don't specify the template and the tag can go anywhere (anywhere in the page content or anywhere the template). The snippet will automatically put the CSS tag in the head no matter where the snippet tag is.
You put the path to the CSS file you want it to use in between the back-ticks of the snippet tag. To make that dynamic, you'd put the path to a CSS file in your TV and a TV tag for that TV between the back-ticks. Using multiple CSS files, a snippet, and a TV just to control a background image would be serious overkill, however, and significantly slower.
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PLEASE, PLEASE specify the version of MODX you are using.
MODX info for everyone:
http://bobsguides.com/modx.html