No, you're not in the wrong place. I just FINALLY went ahead and changed my blog template to a free one I downloaded from Blogger Templates.
I don't know if I'll keep this one or not. I really do want a custom header, and I'm not sure how good it would look with this layout. There's already a lot going on. But I wanted to at least take the plunge and make a change.
Oh, the scent of change is invigorating!