all you need is a paint program; paint shop pro 8/9 or photoshop or anything will do good (besides MSPaint)
and you'll need the default skins which come with LFS, they will be in the data/skins folder (white) just pick the car you want, mess around with painting and whatnot, and look at it in cmx viewer
cant really say anything is 'hard' when it comes to computers; confusing or stuck or dont know how to do something possibly, but nothing can be 'hard' on a computer