I'm not sure exactly which aspect of adding graphics you need help with. But here's what I do for my own ebooks:
-- use the free Paint.net program (in lieu of Photo$hop).
-- for images, I buy royalty-free pics for $1 at sites like 123royaltyfree.com
-- using both of the above, i create my own covers. i resize the picture to 8x11" and type all the words on top of it using the 'layers' function.
-- i even have rigged-together 3D cover images using Paint.net, once I have the basic flat cover design finished. you can manipulate that at angles to look like it's standing up and facing right. you can even apply gray shadow for a little added depth.
Actually it's easy to do especially when you have the determination and patience to learn. At first I was also hesitant but I've tried different ones to add graphics on my ebook. Luckily, I found a software for ebookgeneration which you could also use to add graphics and make the contents of your ebook more attractive, you may try primopdf.com and ebookwriterpro.net. Those were actually free so I suggest you try it.
In fact, I have a video tutorial on how to do it, check out my signature below. PM me if you experience any difficulties.
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