[JimRed]

The rings are most likely the result of grabbing inbound comets as they fall down the Sun’s gravity well, then tearing them apart with its own gravity into smaller chunks.

But why would they fall into an orbit, rather than fall to the surface? And all in the same plane; the distance out and angle of attack would have to be perfect, repeatedly.

[gr8eman]

Exactly...hence my opinion that they come from the planets surface/atmosphere. Saturn is made up of H & He. There is oxygen in the atmosphere and may be the (porous) rocks in the rings combine the Hydrogen and oxygen to create H20 which freezes.