It depends. I like to do my own just because I enjoy doing it. And everyone has to start someplace if they want to learn a new skill. Doesn't mean you're going to stick that first cover on something for sale, but you do have to begin somewhere. I've deleted all of my first attempts. And some of my latest.
Too, if you're running on a close to non existent budget, hiring someone may feel out of the question--even when you know it's probably the best way to go. You may know it's vital to your eBook's success, but your spouse, who knows nothing about this eBook thing, may feel it's not.
There is the possibility of bartering if the two parties are willing to check that option out.
That said, there are times when I'd love to just turn it over to someone else. I enjoy doing it, as I say, but more time to write---which I do much much better---would be nice. Nice? It'd be fantastic!
I didn't like what the Ebook Generator had to offer, so I didn't buy it. Not enough templates in the first place for the price you have to pay. I'm looking into others, but if a service came along with a price and product that thrilled me, I'd go for it.