Among other sites, one I like a lot is Mac Dev Center, from O'Reilly Network, which focus on the development of Macintosh apps. One of the columnists at Mac Dev Center is François Joseph de Kermadec, whose home page I couldn't get to display anything else but the first page -- maybe I'm missing something here!
At Mac Dev Center François writes about several things Mac that, most of the times are interesting. Not that I think that he is always right, but he writes well, and has good insights about lots of things, like this article about the color to be used on the desktop .
Most people I know never thinks much about it! Maybe because most people I know use Windows computers, and, as such, usually the front most app is maximized when in use. That means that the desktop picture (or desktop color for that matter) of choice is almost never apparent. Having said that, it's funny to think what people use as desktop backdrops.
I, for one, love the Mac OS X feature that allows the user to choose automatically, on every login, whick picture to use from a folder full of pictures. I have even managed to find a little program that makes the same thing on my Windows XP machine at work (John's Background Switcher.
To me there is very little problem to use a picture desktop, with lots of color and very busy. As I said above, I'm no different from most Windows users, and my aps are generally used in a maximized window. When I am at my Mac, at home I don't like to have my windows covering all my desktop, but, at the same time, I almost never use programs that would be hurt by a cluttered desktop (something like a image analysis and creation program).
I think I'll start using the bland desktop color that François suggests as a test, to see if the strain on my eyes is less than wht I am used to with the desktops I have been using for a long time.