It's a two-edged sword. Apart of finding the perfect cover for the story in question, there's always the question if the artist would even consider licensing their art for such a nefarious purpose. And whether my meager budget will then allow for it. Not to mention the question how expensive an actual commission would be, if the art doesn't quite fit.
On the other hand, 3D at least doesn't have any real people acting as model who'd also have to give permission. And then there's stories that are completely inspired by a single picture and might never have happened without said artwork.
But I'm sure you know something about that, as you will no doubt have things that inspire your art.
Now, if at any point the impression arose that I might be nudging and poking you with badly veiled questions ... that's pefectly correct. :-D