Uggh, I hate having to match patterns up so they tile properly! Even if you're a few pixels out it looks awkward overall ahah. I remember having to do it for my previous theme. It took me ages to tile them on pixlr, so I could save and upload it as a larger image. It failed in the end, so I just scrapped it. xD
I've heard of those, and used them quite a few times, I might actually have a go at one of them again, since I'm thinking I might change my theme soon.
I always snag my background from elsewhere. This one I had to sort of recreate from the general pattern so it would tile properly (which took foreverrrr) but it's not my own thing. u_u
Sometimes it's good to get a colour palette from one of those sites that specializes in it. I can't remember any off the top of my head but it's nice to design when the palette is already laid out for you. :3
Ah cool, and yeah, that's pretty much me too haha; I don't think I've ever made my own background haha. And I understand about the colour combinations; I've tried a few, and some have turned out quite good, others not so much, but I've never really found that 'eye candy' combination yet. \o/
I tend to prefer plain and simple. Mine are always just based around a background image and I've never even made the image myself, really, so they aren't too terribly interesting. Plus, it's really hard to find a match of colours that isn't hard on the eyes. :( More trouble than it's worth, usually.