Someone else posted Zedge as an aside in one of the discussions. If you haven't looked at it, it is worth a look. There are hundreds (if not thousands) of ringtones and you can upload your own music and make your own ringtone. Or (go to tools) you can type in a script for a ringtone for text to ringtne, pick the voice for what you chose, an into, background music, and then a closing. All lot's of fun and allows you to make some really unique ringtones.
I'm sorry I don't know who originally posted it, but it is a terrific site! You do have to register but it's free.
on edit, I forgot to post the link, here it is
http://www.zedge.net/