dont forget to think laterally, POVray a free ray casting render language/engine will allow you to point a camera at a flat plain and cast effects on the 3d plains texture to produce stunning results. you could achieve this in most 3d packages as well but POVRAY has some very good commands to blend and so forth.
you could do this in DBP as well, even to the point of coding the texture as a pattern or a seamless pattern, this would save having to load media and offer protection in some layers to stealing the textures.
having said that I use Texture maker / HarmsTile / POVRAY / DigCAMERA to generate base textures and then into photoshop or I use the offset filter in photoshop and some cloning to create a seamless tile.
Ill name some very good 2d applications that are for the budget user
PIXIA (free)- interesting package, heavily based in the creation stage
Photoplus (free except if u want gif and tiff saving then it costs $2 or something)- all rounder image manipulator
Gimp (free)- unix /linux favorite
Paint.net (free)- interesting package
HarmStile (free) texture maker
Reptile (free) texture maker
PROFESSIONAL CHOICES
PAINTER - older versions are free and later versions are bundled with wacom tablets
PHOTOSHOP version5 and 6 are the best IMHO
If no-one gives your an answer to a question you have asked, consider:- Is your question clear.- Did you ask nicely.- Are you showing any effort to solve the problem yourself 