Yeah, but self generators are usually crappy, like Chris said, and usually contain logos and web URL's to where you made that banner. I love Photoshop, and if I wanted to generate one I would make my own generator in PHP, it's easy enough to do.
Thanks for the pin mate. Yeah, I thought your post was very informative, sadly with it being most speculation at the current point in time I couldn't use most of it in the factsheet, but I felt it was still very important information and should be linked too somewhere.