[Insatiable]

Okay so I had this issue - if your card is coming from a previous phone and the songs are in a media folder, the settings for audio wont pick it up when your setting tones.

Put your card in your computer and move all the songs so they are just on the card, not in a folder. Then put it back in the phone. When you do sound - settting - advanced and choose the drop down, you should now see your music there.

the mp3 splitter is nice. You can make it a ringtone instead of just playing the entire song. once you split the file, save to ringtone folder, and it will save it as "Rt_name_of_song".

Its awesome!