I've seen too many cases where people were likely using a subscription or an on-demand SL for an EL use. Not with my images, but with others'.
While my stuff might appear on a web template, most of it is geared toward book covers, which are SL most of the time anyway.
Except for when premade book covers are concerned.
In the self-publishing world, many designers sell a single-use book cover mock-up to self-published authors. The designers change the sample text for the authors' names and titles. Even though only one customization happens per book cover, many agencies see these covers as templates or merchandise, meaning EL and not SL. Commissioning a custom cover would be SL use.
However, many designers didn't and probably still don't know this. They think "ebook covers=SL use."
http://www.kboards.com/index.php?topic=155206.0I'd rather these book cover designers use my stuff while complying with a license agreement. I'd also rather get $5 or $10 per download than $.42 while hoping for the rare $50.
In short: yeah I've given this a lot of thought.