I am of the opinion that apple will not give access to flash, as it would compete directly with youtube and ajax applications. They have business relationships to consider at every turn – making flash inclusion very difficult.
you can use garage band 08 to make free ring tones. Dont have it? Email yourself the song you want to use, go to an Apple store and make it there. Make sure they aren’t looking over your shoulder, not sure if they frown on it.