We just started on Ebay a few months ago and saw immediately that the template is an important factor when it comes to sales. So we tried out a few programs here and there. We also saw that a graphic designer could do the job (this is just too expensive!).
We LOVED CrazyLister as it gives you all the tools you need to create the perfect template. You can create whatever you want (you'll need to be creative and put in the hours!). But as far as computer skills are concerned, you don't need to be able to program or anything (we can't program either!)
We definitely recommend this product (it's not expensive either) for everyone out there that wants a professional looking template.