I'd like to see what you guys use
For me, I use these for the Forums on the Game, Dead Frontier
I got all my artworks custom made, using the in-game money.
The avatar (Sprite) Was made by someone to suit my game character, and was created, pixel by pixel.
The Userbar was also made by someone, according to my descriptions.
The Signature is a modified version of a 'Halo:ODST' picture created by someone:
How it looks like, on the forum: