I download free ringtones as well. Search for them, they are as good as paid ones, but beware of sudo sites, many of htese leave spyware entries (cookies) on your system, my friend's comp got bugged cos of that. Never use a software these sites offer unless you completly trust them.
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Get a phone -> USB cable off of ebay, then get the software called BitPim, then hit up www.howardforums.com and find your phone in their forums, they will have complete tutorials on transfering over, ringtones, pics, your address book and more! I have my phone completely backed up on my computer AND I don't have to pay a stupid $0.25 to email the pictures out of the phone like Verizon said I had to, I just plug in and drag/drop!