Writing is Easy

I'm beginning to think writing is the easiest part, because doing a book cover is frying my brain. I'm fairly artistic but really more of a painter than graphic computer artist. I have all the tools; Photoshop, Publisher, Microsoft Picture editor and stuff like that. I'm not great at making them work but I can usually get these programs to do what I want.

Now I'm considering paying for a book cover because I'm really not happy with what I got now. However my first book has made peanuts, mostly I think because I've ignored the little dear, but I'd kind of like to get to the place where my earnings could pay for things like book covers.

And how important is the cover when we're looking at Amazon on the computer? I mean the covers are like an inch big. Of course book blasts do give the cover more exposure but still...how good is good enough?
I think I've been a writer for so long, I've forgotten how to be an average reader. I mean, title and back blurb are what I look for. Am I seeing the cover and just not registering it?

Each day I change my mind. I make covers, remake covers, scrap covers and the frustration grows.
One of my pet-peeves is when a book cover does not match the story. Like there's a dark haired guy on the cover and the main character has blond hair. It messes with the image in my head and I want to scream at the publisher. Am I going to be the customer from hell if I try to buy a cover?

Do you buy covers? From where? Were you happy with your cover? Do you make your own?