I just got a Samsung r470 a few days ago (Joplin Missouri). I am able to get ringtones by bluetooth. Done it the first day without even reading the manual.
Also myexr (google it, I can't post a link yet) works good to send to my phone via picture message. (picture message, not text).
And today i figured out how to make one with cool edit (a sound editing program). I can make one from any mp3 file and email it to the phone.
They don't show up in my ringtones. They show up in my sounds under multimedia.
I still haven't been able to use a file on the microsd card as a ringtone.
But yes, you can get tons of ringtones or make your own. I'm sure this depends on the phone.