If you're no hacker, be good with photoshop so you can mockup what you have in mind. Then outsource the hell out of your product, and micromanage it to death. I've done this, and I have a nicely working website, and absolutely no idea how the code that runs it looks like.
Depends on your market. If you ever get to the point where you need to scale your software significantly, you will have people throwing money at you, and you can hire good people. Till then, russian hackers do an excellent job at SQL optimisation.
I don't think that being a hacker in PS is necessary as long as you can provide the designer(s) links/jpegs of things you do like. I think adding PS as a req't/suggestion is completely a waste of time for a lot of people. Bottom line: you want people to be in a position to succeed and taking someone who may not be a visual thinker and telling them they must learn+use PS is a real easy way to lose a lot of great people.
