Hi threeDdguy
Looks like you answered your own question! Just to expand that quote, you can't make one out of a single stock image because it cannot possibly have the full range of light/colour/detail information that you would get if you did a proper full bracket photographically.
Have a look in Flickr - there are some really interesting images where a lot of people create HDR images in PS just for the effects they get from the technique. Some are weird, some are really nice!