Yes, in order to use different graphics, you will need to "host" it online somewhere as blogger doesn't support that but there are a bunch of free or low cost options. Then you do exactly what you were thinking, change the image url to that location.
I find that for learning, it is easiest to use a template and adjust pieces so that you can see what changes and learn that way. Once you get comfortable with the pieces, you can then go more indepth and create your own exactly as you want.
Something to keep in mind for background images - the larger sized they are, the longer it will take to load for people. I am still working out what size to make a full page image but so far have found that about 1060 pixels wide seems to be a fairly good size. You can also get away with a much lower resolution than 300 dpi for web graphics which will help keep the size of the file lower.
Good luck! Look forward to seeing your creation.
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