Motorola Droid X :: Moved Files No Longer Be Found / Only DCIM Folder Works With Photo Gallery?

I'm having problems trying to use files after moving them.

Example:
I took a bunch of pictures at an event, the created a folder for that event and moved the pictures into it. I can still open the pictures one at a tiem by navigsting too them, but the galleary app still shows the thumbs, but cannot find them.

Example 2:
I downloaded an mp3 for a ring tone, and while in the downloads folder the music player found it and I was able to set it at a ring tone. But I tried to create a ringtones folder, and then music could not find it, and just playing it by opening the file would not allow me to set a ring tone.

So how does this work? I have seen references here to folders called Media and ring tones, but I see nothing like that in the file system on my phone. Where does one put music if they want to actually use the music player?

Is the DCIM folder the ONLY one that works with the photo gallery? Is the Downloads folder the ONLY one that works with the music player?