ok well I dont have a Mac so Garage Band is out of the question. My main question was can I just select a song on the phone and have it as my ringtone or as with everything Apple will I have to jump thru hoops just to get a song for a ringtone by d/l programs I dont want or spending money to convert them?
I don't know about the iphone 4 (still waiting on mine), but you can do it with your songs...but you do have some hoops to jump through. Here is one of many youtube videos that offer a walkthrough on the "hoops" to do it.
http://www.5min.com/Video/How-to-Create-Ringtones-for-Your-iPhone-13120775