I don't know about the color of the rims, I think I may try black and see how that looks. I saw a picture of some on the internet and they looked pretty cool, especially with the blacked out windows on a black car. If it doesn't look good I will paint over it with a different color.
Hard...it depends. If you have a lot of time to devote to it then no not really hard. The hard part is figuring out how to work the program. Once you figure it out, you can do just about anything you want to the picture. It just takes a lot of time to design something from scratch. I scanned a picture of a hood bird decal kit from a catalog, then manipulated it into just the outline of the bird then colored it black, then got a picture off of the internet of some flames, stuck the bird behind the flames, then cut my car out of the picture it was in (it was in a parking lot), stuck it in front of the flames, made a black floor, made a reflection....and you see what I mean. Lots of time, creativity, and frustration trying to get the program to do what you want it to.
You can download a trial version of Adobe Photoshop CS for free and that is the best program to use I think.