My workflow goes as follows. Browse the site until I find a piece that would be appropriate for the required atmosphere. Fire up Rosegarden and enter the music by hand. Select the instruments according to my General MIDI instrument range guide, which is probably of questionable technical accuracy. Play with the levels and export to MIDI. Use Timidity with Frank Wen's Fluid R3 soundfont to render to WAV. Compress with FLAC and Ogg Vorbis.
Of course, custom music by an indie with good synths would be preferable, but this solution provides reasonable quality without any expense.