It turns out between a surprise emergency at work and a progressive dinner party with our Porsche club (Some very good food) I did not get to mess with my stereo.
The web page for NCH that I posted has not only the tone-generator, but also a tone-detector (separate program). I have no idea how the tone-detector works. It looks like you have to buy it to find out. It might just tell what frequency it is "hearing" but what I would hope is that you can see the wave and look for undesirable under/overtones.
The tone-generator can generate a variety of wave types and multiple frequencies if desired. The tones can be saved as .wav files or .mp3 files as well as just play the tone through what ever speakers you have attached to the computer.
I do use MP3 for my car stereo, mostly because of the number of songs I can put on a CD, but I never encode less than 320vbr. Even at 320vbr, it is not a lossless encoding, but it is very good. If I listen to them side by side, I can hear a difference, but when you factor road and car noises, I doubt I will miss them.