This template is not bad but I don't like templates either... I like the drawing because it's simple and original. I know what she's saying about not being happy with it. Sometimes you just know when it's right and when it's wrong! I don't like the last one. Too much going on.
I made my website on Yahoo sightbuilder www.buttskinz.com .... EASY TO DO! I also use (picnik.com) to adjust photos and add fluff. They also have an area that you can take a photo and transform it into a pencil drawing. You might check it out.
All in all, I would take the pencil drawing and have her finish it. I do like the cowgirl inside the horseshoe. Good Luck