Itunes will make ringtones for you from any song you have on your computer - for free! It's long winded, but if it's a song you already have and you can't find a ringtone version or want a specific custom one, then it's usefull to know.

http://theappleblog.com/2008/08/07/f...g-only-itunes/

As for apps; unlock it and expirience what the iphone can really do