The only Stuart's Highlanders I can find is from Fanbook 3, and I can't find any emblems for the other two.
I've been looking into Userbars. There used to be a functional online tool for creating them in short order that is now, sadly, non-functional as far as I know. There are a host of photoshop tutorials...
Remember to K.I.S. Using whatever image program you have (Photoshop, GIMP, etc.) start with a 350x20 pixel project, slap your background in, put the picture in, and type the text. Resize, erase, or colour change as necessary. Use shadow effects ("Filters -> Light and Shadow -> Drop Shadow" in GIMP) to make the outlines on the text and image.