I love Adobe’s Kuler extension (which helps you generate swatches ‘n’ such) but I never cared for how you can’t color-pick directly from it.
…so I made this simple palette generating PSD.
[Download Version 1, for a limited time, here.]
How it works : Fill the active layer with your foreground color and the grouped adjustment layers do the rest! Then just use it to color-pick from.
Mix in the complementary color with a low-flow brush, and the results are kinda nifty.
P.S. -- There's a stick in the above image, so that counts as my "s."