I have heard the official "it's not possible" explanation as well as their BS reason why.

Whay I want to know is how to get around it. There is always a way.

I am not trying to get free airtime from them. I don't want to "steal" one of their ringtones. I want to use a song from a CD a paid for or heck my daughter's voice that I captured on my PC as a ringtone.

There is no reason why this should not be possible.

I have a KRZR withTelus Mobility, how do I go about this?

thanks guys!

Rip your song off your cd into a 30 second mp3 clip, save it as an mp3.
Search for a program called Sony Ericsson DRM packager.
Highlight the mp3 clips, DRM them, and send them onto your phone via blue tooth or a data cable or upload them to a yourserver.com/yourpage/yoursong.dm and download them via your phones built-in wap browser

That should not only answer your question but inform you that it IS possible.
ps not all phone manufacturer will allow all methods, some may work, some may still not work, if thats the case, unbranding is your next best friend

I will give that a try, thanks.

PS, I use motorola phone tools, will that allow me to "upload" the ringtone once it is "DRMed"?

I use MOBILEdit to communicate with my Motorola phone. I suggest a 3 second ring tone....that plenty long enough.

I tried loading mp3 ringtones on my friend's Telus K1m and kept getting errors about the provider blocking access to the directory (when using Motorola Phone Tools). Last night I tried again using Bluetooth and was surprised to find that it did work.

Check out howardforums.com in the Telus forum for a thread called something like "The ALL-IN-ONE Motorola KRZR Hacking thread" for more details, there's guys there who figured it out.