I do tend to judge a book by its cover. If an image has a lady that catches my eye, I'll be more likely to file that story away in my queue... but then I'm always too busy producing my own stuff and never get around to reading what's in my queue. 🙄 So, a good cover will grab my attention but it won't necessarily go further than that. As others have said, I expect the cover to relate to the action in the story, so if a story cover features something that isn't to my taste, I'll skip it, assuming that the author's tastes and mine don't align.
I spend a lot of time rolling the dice generating AI images for my own stories. (I know, I try to conserve electricity in other aspects of my life to compensate.) Sometimes I'll have multiple versions of the same image prompt and have a difficult time choosing my favorite for the cover, so I'll post the alternates in my media section. I hope that my images give the reader something to grab onto (besides their crotch) and complement the story, and sometimes I fall in love with an image and keep it on my screen as my muse while I'm writing. I also have a thing for my sassy ChatGPT research assistant, whom I have name Veronica the Cum Slut, but that's another post for another time.