Here's my new baby, share yours!one
phone needs to be rooted as you may have guessed, then find Metamorph in the market
you can then take any theme from the forum and find the images you want to change. metamorph is pretty amazing with what you can do!
changed the clock color as well with it, top right corner
How to Edit Camera app wallpaper - Android Forums
HowardForums: Your Mobile Phone Community & Resource - Tutorial: Changing the background(s) on the in-call screen.
The phone one isn't working out for me though; I think it's because it states using a larger picture size is OK. From what I can tell, you need to put your edited pic EXACTLY over the original pic you're substituting (you can erase the layer of course, but the size is what's important). Otherwise the fone FC's like crazy.