xcesserize designs on Etsy and although it isn't perfect, it is what I had hoped it would be - a not-ugly, not-distinctive camera bag that protects my camera and lenses - for less than $100.
Around the same time, I made the best purchase I've ever made - a Domke Wrap, which is literally a square of padding that Velcros around my camera. I usually wrap my camera in the wrap and toss it in my cavernous purse. I don't have a good way to protect my lenses with this system, so I've been using a pair of really thick fluffy socks. It's not ideal and I'm going to whip something up out of fleece once I get a chance.
For our honeymoon I took both my camera bag and my wrap, which I grabbed at the last second "just in case I put my camera in Mark's backpack". My camera bag is fine, but doesn't have a protective neck strap and can kind of grate at your neck if you wear it for too long. I also wound up shoving too much stuff in it and my LCD screen got scratched from my constantly shoving things around in my purse, but it was worth it because I changed lenses a lot on our honeymoon.
Mostly it just looks like a purse.
I can fit my Rebel with a lens attached in the main compartment in the bag, and then another lens in one of the side compartments. It has a space for a third lens which I use for general purse items. I would recommend it if you are looking for an inexpensive but nice looking camera bag, or a stop-gap until you figure out what you really need in a camera bag.