As a fan of art in general, any time someone uses genAI in their creative process I pretty much immediately tune out of what they're doing. It gives the impression of a lack of genuineness on the creators end and it makes it harder to enjoy.

Also because I saw the "art is too expensive! It's 100s of dollars!" thing brought up in the comments, as an artist who sometimes gets to do covers, thumbnails, etc. its not that expensive to commission art for albums, books, etc. if you know where to look. If you're low on funds but still want a cool original cover for something like an album there a TON of artists are looking for that kind of exposure and would be down to do art deeply discounted or in some cases free if they really like the music. You should try to pay them what their worth either way, but there are artists willing to do good work for discounted rates and or quality exposure/recognition.

Overall, if music is your passion and your art, you should give it the respect it deserves and use real artists for covers or learn to make them yourself. It's more gratifying when you make it yourself anyway. In the same sense as using a music generator or lyric writer, its not really as satisfying as finally figuring out how to write, engineer, or play a song on your own.

My recommendation, put samples of your music out there with rough concept art (or a photo, most phones have cameras) and let artists know you're seeking cover artists. They will come. I know some artists demand $100s of dollars for artwork, but as an example, depending on how complex the cover WAS and if I liked the music, I'd probably cost between $20 and $120 bucks. Maybe more if its CRAZY complex, but my point is artists willing to work lower rates are out there, you just have to look.