Ranking
since you bought a 128x128 head, just create a 128x128 pxl image and upload it to your head..
to upload, just click "edit" which is next to the item's image in your inventory, and upload it there
you can also look for it here: http://forum.toribash.com/tori_textures.php and upload it
you can also find the template for the head and other textures there, good luck.
The past makes you wanna die out of regret, and future makes you depressed out of anxiety. So by elimination, the present is likely the happiest time.
Texture editing
I make my own textures, and I use paint.NET. It's really easy to use and also happens to be free! you can even import the templates PirateKing was talking about and make your texture over it, then hide the template (making it alot easier).get it here http://www.getpaint.net/download.html