1. Ringtones is the gayest thing about the iPhone - I think you need to buy the track on the itms then rebuy it as a ringtone.
2. I have the following currently installed: Wunderradio, shareprice, marketwatch, Guardian, Eurosport, Sky News, Facebook, Ebay, Paypal, my O2, thetrainline,Sky+, Skype,last.fm, echofon (twitter), shazam, google earth, sky football, flickr,wordpress, accorhotels and linkedin.
3. Buy a cheap thin see through case for when you drop it. Buy a second USB cable for work and a charger for the car - the battery life is shit when you use it a lot.