Ok, so how I did this is by NOT using a template. I "tweaked" the Custom HTML settings. With the two sites I linked you to, I did NO other custom code, I picked colors till I liked them and then added a "logo" in the logo field for the top banner and that is it. The two examples I linked were pretty easy to setup.
Be aware that you will LOSE your custom template settings once you go in and save the first time in the custom HTML page. If all you did was pick a template, it should be very easy to get back if you are not happy with your custom settings. You might have to fuss with it awhile until you are happy.
I recommend a using a website color picker tool that gives you a set of colors to use.
Color picker if you have an image to need a theme around:
Color Palette Generator
I cannot find my favorite tool, but here is a page listing a selection of tools:
10 Tools to help you select a Web 2.0 Color Palette | Bookmark Bliss