Sony Ericsson Announces Themes Creator 4.0
New "basic" mode is a good option for most people
The new "basic" mode is much more convenient if you just want something different, and don't want to mess with dozens of individual settings to ensure text visibility.
In basic mode, all you do is pick a single color as the "base", and it figures out text/highlights/headers on its own.
There is also a "style" option to add some fancy touches. It's completely automated, all you have to do is choose one of three graphic styles.
Very fast and easy.