I never answer a call if the number is not saved on my phone. If it's truly important leave a voicemail, I will get back to you if I have to.
I think ringtones are distracting and totally unnecessary, with a few exceptions. My phone is either in my pocket, or on my desk nearby to where I'll see it ring.
I don't understand people who leave it on loud at work (or worse, leave it on loud then leave the phone at their desk). It's really inconsiderate. They are probably oblivious though, without someone mentioning it to them.