How much time do you spend on thumbnails vs. actually editing your video

I've been talking to a lot of small YouTubers lately and the answers are all over the place.

Some spend 5 minutes slapping text on a screenshot. Others spend 2+ hours editing for the perfect thumbnail.

Personally I think the thumbnail is one of the most underrated parts of the whole process – it's literally the first (and sometimes only) thing a viewer sees. Your CTR lives or dies by it and its usually the last thing you do after creating your video.

But I also get it, after hours of editing, nobody wants to open Photoshop or Canva. But it shouldn't get that little attention.

So honestly: how long do you actually spend on yours? And do you feel like it's worth it for the Time?