Otherwise, this tool should serve the average commuter well. Specifically, we think you’ll find the size 4, 5, and 6 hex keys, extremely common sizes in bicycles, very helpful. They’ll adjust seat-post heights or let you remove the saddle entirely, or tighten a loose stem that’s always rattling apart. The Phillips head will tighten loose bolts on shoe cleats or the rear derailleur. The most common use for the torx would be adjusting disc brakes if you have ’em.
We focused on tools that would be useful to a commuter—someone trying to use a bike as a functional way to get around town, as opposed to riding recreationally (road biking and mountain biking). That said, it’s a wild and wooly bicycling world out there, and the streets are packed with so many different bikes, all shapes and sizes, new and old. Customizing your flat-fixing kit has advantages over buying a preassembled kit that always contains a tool (or two or three) that’s a piece of junk, or you don’t need. Or it’s missing something you do need. If you build your own kit, at least you know everything works. And you can add only what’s necessary for your specific bike without ending up with stuff you don’t need.
2) On my second day, the pannier bag fell off and got lost after I stopped for lunch, which required locking up the bike somewhere, so I took the bag into restaurant and re-attached it using the two velcro straps on the rear rack. I've used many panniers before, thought I did it correctly. But apparently I did not. So I paid $55 (cost) to replace everything in bag and bag. In hindsight, I wished I'd put a bungee around bag straps to really secure it to bike. PROBABLY MY FAULT.
Modern bottom brackets use a sealed bearing type construction that keeps water and debris locked out, so they seldom go wrong. Maintenance is impossible so they need replacing when they do wear out. Older style cup bottom brackets need to be re-greased every now and again, and occasionally will need to have their bearings replaced. There are a lot more teeth on the chainring cogs than those on the rear cassette, so need changing less regularly. Cranks usually a solid one piece construction so there is not much to go wrong.