ringtones:
if you have a windows pc
http://www.efksoft.com/products/iphoneringtonemaker/index.htm
if you have an intel mac
http://www.modmyiphone.com/wiki/index.php/IFuntastic_easy_iPhone_ringtone_installation
if you have a powerpc mac
Stay tuned… no hacks yet!
Google group for iPhone web developers
http://groups.google.com/group/iphonewebdev?hl=en
I would wait anyway. Whenever a new phone comes out, it has bugs and problems that haven't been fixed yet, so by the time November rolls around, it should be cheaper and have better/more features.