Here is a copy of an eBook cover that I was able to make for free in about 3 minutes from a website called myecovermaker.com. This was a free cover, and the online software was very easy to use.
I looked in to downloading software, paying for a designer on eLance, buying Adobe PHotoshop and learning how to do it myself. I opted out of these because they did not meet my KISS criteria.
There is a time to focus on content, a time to focus on marketing, and a time to focus on bells and whistles. For now my focus needs to be on finishing good content and getting the distribution in place. I can always improve on a cover later, but the priority has to be getting the little book ebook piggy to market!
I amy spend an hour reviewing this eCover for such things as color, downloading an image, etc, but the essense is there. Name of the book, my name and title, and thats about it!
Don’t make your eBook cover a barrier. Get it done, and get the book up and running to a distribution system. Improve as you go but don’t get bogged down!