It depends on the person making the graphic. If you give a newbie a great program like Adobe Photoshop, you can't expect them to magically make a graphic that is amazing.
I started out using PSP, and I love it. I tried switching to PS, but it was just too much for me. PSP has all the features I could possible want, plus it comes with an animation program so I can make animations.

I <3 it.
Oh yeah, and you can save images as Optimized GIF's and JPG's (so they have good quality). And it comes with an image mapper generator and an image slicer.