OK...here is what I have so far...the cost to use the High Rev photo seen above is $100 and I could do whatever I want with it...put it on tshirts, mousepads, etc...but it would only be just the photo, no other logos, typeface, titles, etc....

The cost to go through racers-only.com is higher...nearly triple the cost of using the High Rev photo...but they will take the photo and make some cool artwork out of it like this
and will add typeface--Dave's name, team name, logos, etc. to it...and I "believe" though not 100% sure, I would still get the original artwork so that I could have it scanned and do what I want with it...Thoughts??