Just found this extension a few seconds ago for those (including me) who haven’t mastered gradients or partially alpha’d parts of an image, and who are too cheap to buy Photoshop and instead use Paint.net
http://paintdotnet.forumer.com/viewtopic.php?f=16&t=28865
EDIT: Never mind. It was more limited than it looked. It only allows you to add text, and doesn’t separate each element into individual layers.