There is a lot you can do to make your pages more accessible to disabled users, without compromising the display for everyone else. Don't require graphics.
Navigation is a real pain for blind users.
It's much easier if each link is on its own line. A surprising number of people are partially color-blind. There is a discussion about designing for color-blind users on the web. More information is available The Designing an Accessible World project has many pointers to more information about accessibility.