yeah, you can make tiny little tile sprites in Photoshop (or something lesser, if you have too...) pretty quickly and easily. they won't look that good (very 8/16 bit RPG...), but if that's your style then they'll load quicker than the dickens.
all you need is the rubber stamp tool, the offset tool, and about 5 minutes. you can make most repeating patterns quickly and easily. if you're looking for a random grass/whatever tile generator, then I think you're asking a bit too much.
individualy crafted and rendered maps (think Baldur's Gate) are the way to go if you want real pinaz, though they'll hog your loading time like a mother, force you to use CDs to distribute, and require at least some knowledge of computer graphics and geology/forestry to produce. but, if you've got the time/energy, they'll make your game all that much better. if not, the included PoG tile set is pretty good, ecxept for a few little problems with water and dead trees that might both be fixed before the release of CS.
------------------
Do not follow me for I may not lead. Do not lead for I may not follow. Do not walk beside me, either. Just leave me the hell alone.
-Jedi