The rest of us, the discerning percentile of the human race, just use the default.
That sentence just... feels wrong. You can't be a discerning connoisseur when using the default for ANYTHING. The default is for the masses, doncha know?
Me, I've found that the Cure's "Boys Don't Cry" makes for a good ringtone, even on a non-polyphonic sound chip.
Ironically, I think you CAN be discerning if you use the default. In the case of cell phones, most people change their ring immediatly. In order to be unique, I've left mine with the default Nokia ring.