Thanks to PBW, I now have access to the WordPress Theme Generator.  I’m still enamored with the theme I’m using now, but I played with the generator, and it will allow you to do some nice, basic themes.  The only thing I’d like to see added is the ability to add a header image.  If that’s there, I missed it.  If you’re nervous about editing themes you’ve gotten from other places to make them their own, I recommend giving this a look-see.