Ok, finally got it figured out and here is how I did it.
1-plugged phone into usb port on laptop
2-selected usb mass storage
3-highlighted the internal drive and created a new folder called media
4-highlighted the media folder and created a subfolder called audio
5-highlighted the audio folder and created a subfolder called ringtones
6-highlighted the audio folder again and created a subfolder called notifications
7-copied and pasted the mp3 form ringtones and notifications into their folders
8-unhooked the usb cable after transfers were complete
9-went to my contact list, selected a contact, scrolled thru the list and all my ringtones were now in the list for selection
Thanks to all who chimed in to help me out, and hopefully my directions here will help someone else out in the future!
Hey good job, And thanks for the play by play which is very helpful.
I'm adding it to my ever growing directory tree notepad file in hopes someday I'll have all the critical dirs listed.
If I could just find time to clean it all up it's prolly fairly complete.
Just hate having 4 or 5 diff dirs for music, pics and so on from apps not using proper defaults.