It doesn’t really bother me so long as I’m not coming across the same stock image a ridiculous number of times in a row. I understand that there are only so many naked torsos on the internet for romance authors to choose. However, if every second book I read has a near identical cover then I might start avoiding novels that feature said graphic, especially if the stories are similar because I don’t want all of the characters blending together.
I understand that artwork is expensive and I don’t expect every author to have a to-die-for cover but when choosing a design it’s also important to remember that it’s a reader’s first impression of your book. I’m not saying go for broke but for me, part of the fun of picking a new read is admiring the artwork and having a beautiful cover is definitely an extra hook. Maybe you wrote the most amazing book ever but if no one ever buys it because of the butt ugly image on the front well then, what’s the point?