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Most folk use the 'official' cover image. Those have the title and Author as part of the Image.
If I understand your wish, you want to use a plain image and have the (Title) Metadata superimposed. Nope
A Calibre user made Generate Cover plugin that allowed a (fairly) simple to be made: The Background image and up to 4 data fields placed. Not a whole lot of options on artistic styles. IMHO it is a nice option that offers more than the Generate cover in the MDE
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