OK kind of answering my own questions I know, but a quick DIY guide for getting a Nokia 6100 (& others built on the same core system) Toned & Papered on the cheap.
This may also work for other phones, and for Java games / applications. I'm not much into that type of thing though... I have Speakerphone, pics, tunes, the built in organiser, and Space Invaders. Happiness.
Tip: Use geocities. Trying to use Imageshack will frighten you into thinking it doesnt accept JPGs
1. Doublecheck it uses MIDI for music and GIF/JPG for pictures (at 128x128 resolution)
2. Find your files... whether off the web, or your hard disc, making them yourself, etc. Helps if you choose a fairly bright picture with moderate contrast. The midi files should be as simple as they can be whilst still sounding alright (any more than 8 channels and it won't play), and short - if you're on orange like me, as the answerphone cuts in after the 8th "ring" and anything more than about 40 seconds will get chopped. I think they need to be under 16kb as well.
3. If absolutely neccessary use nokia's downloadable tools to dick about with the MIDIs
4. Use your favourite paint program (except MS Paint) to crop your pic to a suitable square, and shrink down to 128x128 "smoothly" and add a mild sharpening effect. Save to JPG - if you can adjust the compression, somewhere around a 4kb (tidgy i know, but with only 640kb of user memory on tap...) final filesize gives great results for most pics. 5kb-6kb for tricky ones that otherwise look crap, or 2-3kb for simple ones. (dont just go find a 640x480 desktop wallpaper thats 50kb or so and try using that - waste of memory and looks bobbins)
5. Log into your (or create a) Geocities website account, and select file manager
6. Upload your files there, with fairly simple names e.g. frogs.jpg, axelf.mid... if you need to keep them separate, short folders such as /ptone and /ppic will do the trick
7. Point phone's WAP browser at each file in turn..... eg for one of mine,
http://www.geocities.com/tahrey/phonemi ... gadget.mid or
http://www.geocities.com/tahrey/phonepi ... ritter.jpg.... breaking all the rules of shortness i know - and thats why i mentioned it, because i had to tap that into the handset
The phone will now load the picture or tone (reading "connecting" all the while) and display a message when complete, hopefully "ringing tone / image recieved". Drop the WAP call using the red button and continue to check and then save it. The pictures will look a bit dodgy til you set them as wallpaper, as they've been reduced sloppily by the phone's low-level software... and don't be dismayed if your tone doesnt sound perfect, theres none too many out there that dont have too many simultaneous notes for the device and HAVENT been programmed by a moron.
Tip: If you have a lot of them to load up, create a bookmark to the first one, then just edit the last part of the bookmark address for each subsequent one so you dont have to keep retyping.
There's a cookie waiting for the first person who can tell me how to send my old mono tones to the new one however, even if i have to write them out from the old handset on a scrap of paper and then send them back as a text message to the new handset.