Yeah, the whole "comics are declining" thing is . . . kind of complicated.
Single-chapter comic books, the bread-and-butter of Marvel and DC and a few other companies, are in a decline. Fingers have been pointed at digital piracy, continuity lockout, the economy, an aging core readership . . . it's probably a mix of those and a billion other little variables working together.
Graphic novels and trade paperback collections, on the other hand, have been relatively healthy. These are where smaller and midsized publishers are putting most of their energy these days, and biggies like Marvel and DC are paying attention to the format as well. The advantage graphic novels have over comic books is that they're more likely to be sold in general bookstores. Even with bookstores going through a colossal rough spot these days, they're still more abundant and seen as more "newcomer-friendly" than comics shops.
Digital comics, the kind one might buy to read on an iPad and such, have really only been around for the past couple of years, so of course that category's seen nothing but growth. Time will tell how wide an audience the medium is able to reach through digital distribution, but not being locked up in a single location can't hurt.
. . . but to inch closer to the main topic: Yes, if you hope to make comics, you'll either have to find an artist to team up with, hone your own comicking skills, or track down one of the few publishers looking for just-writers. (Either that, or get famous writing novels or TV shows first!)