You are correct.
The links that I gave you will allow you to do what you want, but they are not free. Browse throught the skins at wincustomize, they all took time (lots of it) to make and for you to make a skin that works with XP will require time and learning how to do it.
I've been using WB for 4 years and have looked at the programming in SkinStudio for various skins, so far I have not attempted to create one of my own.
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Just my 2¢ worth,
Jeff
__________in response to__________
| no no no.. what I was wanting to do is create my own "3D" looking color
| scheme. At the moment, it appears that XP only has 3; blue, silver, and
| olive.