Well I do do some playing around with styles but at this point I have enough experience that I can pretty much think of a style that I want to achieve and then just do it. You have to know every little thing the layer styles are capable of to do that though
that comes with lots of time and lots of practice
Though when you're learning, looking at tutorials like this is good because it gives you a sense of what is possible. It's on you after that, though, to keep playing with them beyond the tutorial and see what results tweaking the settings gives you.
I got started in design because it was a way of making a living off of being creative. In college I would have loved to be a ceramicist but I was smart enough to know I'd never make a living from it
Design was a bit of a compromise for me. But I'd been playing with Photoshop for years and my art skills were good so it was a natural fit.