I forwarded my ringtones to my new Droid X and there is no way to add them to the ringtone list from the email. You can't even look at the ringtone folder. This phone is not very good at all. My old blackberry was much much better.
Why would you blame the phone if you havent learned the device? All you have to do is save ringers from email and save under SD Card > Media > Audio > Ringtones and then you can select the ringers from any of the menus on phone that uses the stock ringers list.