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Ages ago I saw something on one of the secret menus that you could access with #*numbers*# etc but I don't know the key sequence. You could then apparently change the number of ringtones. If I find it I will pop back and up date but you could have a google in the meantime.
My X10 is on UK Tmobile and you have to pay for Voice mail so I haven't set it up at all.
Have obtained the code for this after a lengthy call to Customer Services
For the benefit of any O2 UK customers the code is:
**61*901*11*??# then hit the "call" button
... where "??" is the number of seconds you want the phone to ring before it diverts. Has to be either 05, 10, 15, 20, 25 or 30.
Great that you got solution! 
This app finds soundfiles that default apps can't see.
I use several very loud ringtones that I can hear from acroos the house or in noisy environments
. I also make all my own ringtones from MP3's on my PC and transfer them to the sd card where Tone Picker finds them. 