I've you problem too..
Since i started programming i always serached for good graphician, but i quite never find one.. I've draw a lot of graphic by myself, and i must say that with time i became quite skilled
But i still couldn't do all by my self.. My greatest problem is backgrounds and tiles... i can manage doing sprites, but background are fare too difficoult for me

I've solved the problem this way: i try and use the less graphic as possible in my games, and i often use incredibly ugly programmer-art..
I than say around that's it's not ugly, but just that it have a personal style, and that that style is what i searched for
Here's an example:
http://www.lugato.net/msx/zip/Senseless.zip
It is drawn by me on paper, and than captured using scanner.. The effect is somehow stylish

Apart from this, i can say that graphics is what stops me from doing good games..