can i put the mp3 in my storage card n use as my ringtone instead of puttin it into windows/rings?

Format the whole thing? Just do a hard reset. Hold Camera+Power buttons and press the soft reset button at the bottom of your mini.  
Once you convert you tone into wav, put them into the Mini's windows folder. As for internet, you'll have to configure your mini and PC together to detect each other. The manual teaches you how to do it on page 100. Too many steps for me to explain.
You can use the ringtones which are stored in the STORAGE CARD. 2 ways. One is by downloading the patch which once installed can assign any mp3 as ringtone just by tapping and holding the file then tapping set as ringtone on the pop up menu. The other way is by using the registry editor software and changing the path. I personally wouldn't recommend this as when someone calls you while your Mini is on power save mode, instead of hearing your assigned ringtone, you'll get the "windows default" ringtone. Best is to store you ringtones into storage folder. Then no problems...

yup just convert it to .wma ... work fine wz me too