Yep I've had a Nokia 6190 for over 2 years, the best phone on the planet unfortunately it's been replaced by a supposedly better model.
Yes but I sure as hell don't annoy people with my freaky ring tones.
I'm the same way.
Work - It's set to MEETING profile which is a discreet single beep. I have several co-workers who leave their cell at their desk, walk away from a break or lunch and their phone goes off, we have to listen to their wacked out ring tones until the call goes to voice mail which never happens because the caller calls AGAIN!
Home and Outside - Outdoor, as loud as hell so I can hear it over traffic, other people, etc. plus it's on vibrate so if I can't hear it then I can at least feel it (no, not that way perverts!).
Sleeping at home - It's set to silent so it doesn't wake me up (3 AM - uhm is Betty there?). I don't turn it off because I want to see what calls I missed.
At the movie theatre - It's set to silent.