Its NOT hard at all to create a custom style! I would say that the most difficult part is obtaining the images.
Do you have psp? PSP makes it a Snap to make buttons and gradients!!
Then there are picture tubes you can use to help with some of the graphics!
Try searching google for royalty free martial arts clip art, or something like that! Best think to do is get some images first! Then you work off of a stock copy, wich you can do from a vb xml.
Go to your ACP>styles>downloadstyle>exportdefaultxml>then reimport that downloaded xml as a NEW style. DO NOT MERGE! Name your style. Then go to acp>styles>edit all options (new style). The whole CSS layout will be before you! VB makes it easy!! They inclued a color picker!
Change the colors around click save view. I promise you you will screw it up and prolly reimport a few times but if you even have half a head (lol) you will be wizzing through it in no time!
Pay attention to how VB adds its gradient links because you will replace these links with the path to the ones you have. There is a lot more to it then this but I think I gave you enough to get started