You said "anal", and then you said "fart"
But yes, I agree with you. A nice cover makes the whole experience so much more rewarding.
I don't use Calibre's coverflow view, and I think whoever invented coverflow should be whacked (how useless is this thing?), but every time I open a book on my iPhone (Stanza) I get a nice cover. Sort of like french fries at a fast food restaurant. They sort of ease you into the main course

Ever tried eating just the burger with no entree?