Been lurking this thread for months. finally have somethign to contribute
I do book cover design. Started incorporating MJ into my workflow about 8 months ago. Heres how it works for publishing specifically:
Self-published authors (Amazon KDP etc): They usually don't care if you use AI. Budget conscious, just want something that looks good. I disclose it if that makes sense, they're fine with it. 90% of my business.
Small/indie publishers: Mixed bag. Some are cool with it, some have policies against AI art. Always ask first. Lost one client who found out I'd used MJ and hadn't disclosed - my fault for not being upfront just saying.
Traditional "Big 5" publishers: Hard no. They have strict contracts requiring original artwork and are terrified of copyright issues. Don't even try.
My process: MJ for initial concepts and background elements, then I paint over the main figures/characters traditionally in Procreate. Publishers are happy because the final work has significant hand-painted elements.
Avg book cover price: $400-800 for indie authors. Do about 6-8 per month. Good side income!