While designing my site I am constantly faced with the issue of whether its ok to TAKE ideas and designs from other sites. In some cases there is no distinction in certain aspec
I am a web developer, not a designer. As such, I have a sense of taste, but not the ability to come up with something wholly on my own. As a matter of ethics, everything commercial or with the expectation of serious traffic that I do, I will hire a designer. They need to eat too, and there is something wrong with making money off of others work and not compensating them for it.
If it is small, personal, or an internal throwaway type thing, I will rip off things like color scheme and/or layout. Technically you could say this is stealing, but I think of it more as "imitation being the sincerest form of flattery" thing. I don't feel that bad about it since there isn't really any money to be made in it.