I would be in total agreement with you KoutureCrochet, because this way you get something that properly relates to and represents your shop, your values and your style. It very much so is worth the investment, and as a graphic designer (my day job!) I feel this kind of 'off the shelf' graphic design only cheapens the industry, the hard work we do, and makes it more difficult for those of us wanting to work for a fair price to do so.
I do wonder Tuesday Bella, once a design has been purchased, does the buyer own the image as their own or do you sell on the same design more than once? If the latter I can understand the cheap price, but if the former, I think you are doing yourself and the design industry a disservice for selling them so cheap.