I mostly modify other people's free templates, just change a few graphics, and paste a few widgets onto the page. It takes a long time to code a template from beginning to end, so I just usually modify others people's graphics and code.
I damn myself everyday for not taking time to learn how to fully use gimp/PS as finding people to do GFX on the new is a pain. But I usually use other people's templates if stosh is too busy to make one.
I do my own skins. I have seen some very nice premades, but I don't like to have someone else's name on my forum. I want my forum to be original, and not look like 100's of other forums out there. Chances are, if you thought the skin you picked was nice, then so did the previous 100 people and so too, will the next 100.
Anyway, regarding my skins, I have a saying.. my skins may be crap, but at least it is MY crap. lol..
But seriously, being that I am kind of a beginner with CS2, and PS in general, I will say that it a miracle that I have been able to come up with the skins I have so far.. and so far, I've gotten only compliments from members on different forums that I have been to.