I do know that you can go to a computer hardware store like Circuit City and buy CD printer. I think it's about $400.00. It will acutally burn the image on to the disk as opposed to a cheap sticker gig.

For creating the inserts etc.. I would use the Adobe CS2 software. Obviously Photoshop for creating the artwork and then InDesign to create the layout. I know that the spine is simply an extension of the back panel. Here's a free template for the front and back of the CD cover.

http://www.concentric.net/~Noshadow/cd_cover/

You would basically create a new document in InDesign to the sizes for front and back. Note that they're not the same sizes. The back panel of the CD cover will be a little longer than the front cover.

Once you've got the dimensions right just layout the artwork and typography and you're good to go.

Hope this helps.