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You say the garage door opens with the chime, so the chime could be on a (zone) i.e. door contact or something in the garage being triggered for example. Service Tones is any alerts or system chimes not related to arming the system, so Mains Fail as an example, anything issue that wouldn't alarm but just show a "System Alert". Part of the benefit of backup and default would be the panel gets a fresh start, if something has been corrupted in memory somehow and caused an effect that isn't an option you'll never find it. Would only expect that type of thing to have happened if you have changed firmware though and the profile wasn't updated, then forced the profile to the panel. Which doesn't seem the case, I am thinking some combination of settings. It's sounds like you have a lot of custom settings that are used rarely for most, without hearing this chime tone and looking through all these settings and attributes with a fine tooth comb I can't think of anything.

Q. What's worse than a Risco Prosys? A. One off of ebay