it probably depends on what you are writing about. i sometimes use it as a search, for same data for example about a place. or at one time while making videos for CTT podcast i used it to generate images for the video, so i didn't use stock images. so it is help not writing tool :)
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Do one always pay to create this thumbnail or some are free ?
here are 2 i got recomended yesterday. didn't test it out
Bing also has some free credits to for images. I think it was around 50 or so.
Venice.ai also has some free images (i don't like the images it makes, at least what i tried)