Completely agree with you, Neron, but there are two reasons why this may not be the approach to follow (no because it is correct, a professional logo is what it should be) but because:
There is simply no money (either because you are broke to the core and can't even buy food or because you are simply too young to have an account yourself, or to have any money)
You are so tight that you only get what's given for free even if you have plenty of money.
In the second case, well, I don't have a good opinion of those persons that only think about saving the penny.
But for those in the first case, especially if they are in need, I do simpathise and understand that even paying $49 may be a huge issue.
I'll think that you are starting a new venture and that you are really in need. Templatemonster (http://www.templatemonster.com/free-templates.php) offers some examples that are ready to use for free together with some free templates and so on. Have a look and see if it suits your needs.