If your phone handles poly`s okay you can drop a regular MIDI file into it as a ringtone. Some phones miss out some notes - depending on the model. MIDI`s are all over the web, just use IR or Bluetooth to get it into your phone`s gallery. My Nokia 6600 has Fantasmic!, Imagination, Light Magic, Now is the Time and Yo Ho - all available for free.
Sad huh...