I take back what I said in the previous post.. it was midnight and i'd had a bourbon or two LOL so I stand corrected on one thing.. yes it is possible to update a cell phones 'firmware' but not in the way you'd update or restore an mp4 player. You can flash the chip on board to unlock the phone with a certain provider or set it up to use any provider no matter where you are. This is a very complex procedure and just like an mp4 player, if not done correctly will 'brick' your phone. As for changing it's features eg. playing different ringtone types, and operational capabilities.. nah.. forget it.
If the last phone was the same brand and model and could play .qcp ringtones this one should be able to as well. There might be a setting thats not right or something ...but something else could be the problem.
I have a Nokia 6225. It can play .mid and .qcp files however.. for certain operations like message tone or ringtone.. it will often refuse to recognise .qcp. I don't know why.. it's a crazy phone. i'm getting rid of it when my plan expires in a few months. Anyway i found that if i rename a file and change the file extension from .qcp to .mid it will play every time. eg. change 'tone.qcp' to 'tone.mid'.
Another thing to note is the quality and format of .qcp file you're using. Similar to Wav format it must be set to PCM, 8000khz, 16bit and Mono. otherwise it'll refuse to play in either .mid or .qcp extensions. You can make your own ringtones from mp3's using this tutorial (i use it too)
http://surfing.textamerica.com/?r=1954769
Now... for picture.. do you have the quality setting set up right? .. if the file is too large it won't send.. simple as that.. you might have to reduce the quality so the file is smaller in photo settings. Give it a try.
Save your money dude (from what i've read in your posts it's a requirement), don't buy wallpapers and stuff from websites. They all rip offs as far as i'm concerned. Go to
http://www.zedge.net and sign up for a free account. You'll need a USB cable for the phone.
I hope that helps