I won't lie, it's hard.
If you basically cut and paste from other modders you can get it done, but it's still not easy. And even then, if you want to do something original, good luck.
There are tons and tons of stupid little things that are very hard to figure out. I have no less than 4 "please help me" threads going right now. They are on stupid things like where to find files in the original game, how to move my mod so that it stops dumping files on my desktop, how to get .dds files to open, blah blah blah.
There is a LOT of headache if you don't already have a programmer's mind. I think the biggest problem with a lot of the guys that are writing guides and answering questions is that they are way too experienced to understand how confusing this is to the little guy.
For me, even the guides go way over my head because the writers usually skip steps that are obvious to them. It's really hard to dumb down your thinking to put it into perspective for someone who just doesn't understand.
Case in point:
The only thing I have been able to mod successfully is Kael's own celtia mod. I did that because all I had to do was cut and paste from his guide right into modbuddy. Anything that I have tried to do myself has failed, mostly because I just don't know how all these operators work.