Yes, I'm aware vector would be the way, but as I said it's beyond me at this point.
The intended use so far is only as letterhead, and this only directly from their computer (no need/money for a professional print job).
Also, I'm doing this as a test and for fun. I'll do it best I can, but I'm
not a graphic designer

A good tip I try to follow is make a black/white version. If it looks good b/w then color it. This ensures it will print well too.
Thanks, I'll try that!
Why is there a white border? It looks like you just took an image off of google and very poorly took out the white background.
No!
I doodled the elements on separate layers, then free-transform-resized them for better fit, hence semi-transp border values. Sorry for not cleaning the mess, I'd rather do that when I'm set on a design.
Btw, the other 'dirty tools' involved are blending modes. I do not want the elements hiding each other; and I wanted to try several possible color interaction between them.
It will be all hand-pixelled over later.