Thanks BP... no the site didnt help much

but thanks! I guess the files got corrupted once I transfered them because I copied one to the PC to play it on it and it didnt play... however I just copied another song to the card, assigned it and I got the same error that the file was not there or corrupted. I reset the phone and it plays fine now off the memory card, the file is 5MB and there was no delay at all.. HOWEVER, it sucks that you can not have the phone on vibrate and audio at the same time or if you have no ring tones by default or vibrate, you can not assign ring tones so you have to have a silly ring tone chosen in order to have any of personalized ones work...
someone also mentioned that if you use full length mp3 because of the size there would be a delay, so far I didnt hear any, I tested like 20 times... file size is 5MB on a Patriot 2GB chip that I got for $22 including shipping from new egg
