Alright, well currently I just jump into Fireworks and get my brainworks turning, and then eventually get to a design that I like/love. I then splice it up to get the images that will be used in the XHTML /CSS version, and then code it.
I’ve heard of people using/making wireframes(?) and other things pre-design to come up with a sort of rough concept. Could I get some elaboration on this, and any other pointers to what the ideal design process may be?

I also like to say that your computer should be your tool, not your inspiration (but it all depends on personality). 
but now, I believe that planning is the most usefull think on the earth