yeah you shouldn't just go into this field blind, there are a lot of areas in design you will not have even explored yet and personally i like to look at all areas of a field before moving my knowledge, for example there is contemporary art and other styles can you do all the styles.
Defiantly do not think your going to design then just export it, thats not a way to go you end up with loads of images and it looks amateurish, so work on the design if you haven't explored all the fields as remember clients like a variation of style and it shows you just don't follow one style which in my opinion is your USP and why people choose you  . Anyway if you feel you have done all that and have to go into coding learn xhtml and css i know designers who can do both design and coding. I used to think you where one or the other but its not true you can do anything you want to aslong as you put your mind too it so don't devalue yourself by saying your just a designer, you have allready taken that first step to want to learn coding which is great as people don't want to expand their skill-set.
To help you out buy some books, the sitepoint ones are the best, do not use tables, validate all your code to W3C standards and think about the user rather than the seo point of view (i know this is hard and is sometimes a catch 22 situation as you may not get users without doing good seo).
You should deffinantly not rush into this if you take your time and learn about it, it will come much simpler and it will show you your not amateurish then companies or individuals will want to choose you.
The only a monthly charge works out is if you offer to maintain it for them and them contact you wanting you to update it for them, then and only then it will pay.
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