I'm the one that asked the question - had to register to reply. Thanks - the reply from oamilcar was the one I went with. I installed Solid Explorer, found out the Ringtones directory was already there. I had previously sent myself a custom ringtone from my laptop, so I had to go looking for it. Found it in the downloads dirextory and used SE to move it.
One would think that if these phones are so smart, that they would know when a 30 second ringtone is sent to the phone, it should go in a Ringtones directory and NOT the downloads directory - sheesh!!