Mine plays the intro to "Professional Widow" by Tori Amos...
I love you, in a totally platonic and non-creepy way. :-P
I usually put my phone on vibrate out in public, because some of my ringtones (I change them fairly often) can startle passersby, being hard rock. (Think of Disturbed or Metallica just randomly blurting out of someone's pocket at the DMV or something....that could startle someone, LOL.) Right now my ringtone is "Don't Stop Believing" for everyone and "The Edge of Glory" for Mr. Bottlecaps. I don't think either of those would startle anyone, but it's just a habit. The only bad thing about putting it on vibrate is a lot of times I'll forget to turn the sound back on when I get out of public and then if I'm in another room, I won't realize my phone is going off!
But anyway, I think it would be rude of someone to blurt out that your ringtone is annoying if they don't know you well enough to say something like that. Family, friends are different (and even then I'd still be polite about it) - but random passersby, no, I wouldn't say to someone that their ringtone is annoying. I generally don't really think about others' ringtones unless it's a song/noise I recognize, and in that case I'd likely commend them for it, hehe, or if it's in a situation where it is considered rude to have your phone's sound on, for example, in a theater.