Nope don't have to pay!
There is actually a thread in the bottom section of the board where you can ask if someone on this board has time to make one for you, too!
Are the blinkies part of the signature or do you add those yourself later?
You add them yourself.
You can't add it within the message (well you can, but it won't be permanent).
Like Adrienne said, you'll want to start a Photobucket account.