Mini Pump:   This actually goes on the frame of your bike, as it’s a bit too big for most under-seat bags.   Coming soon, we’ll have a review from Bill of his very favorite one, but a good pump is a lifesaver.    Some people instead carry a CO2 inflator, which is faster and easier to use but does require disposable cartridges, and each time you have a flat, you’ll need at least 2 of those cartridges.  There are combined pump/inflator tools that we’ll also talk about soon.
All multi-tools are not created equal, but most with a plethora of features will get plenty of the jobs done. I personally like, and use often, the Lezyne RAP-21 LED tool, which will run you around $30. I like it because not only is it a high quality construction, but it has just about everything you’ll need, plus a sweet mini light. This will give you a chain breaker, spoke wrench, disc brake wedge, and all the most often used Allen keys and drivers. We’re talking a decent number of tools for 1/4 of what they would cost buying them separately.
These folks took me in right away, diagnosed and fixed my stripped handle bar clamps and had me on my way to work in about 15 minutes. Friendly, straightforward, understands the rider's objectives (in my case, how do I get home from work). Not to mention, the fee was reasonable. I have been in many bike repair places in my 6 decades. This is the best.
Friction gear systems are a lot simpler to adjust, because the movement of the derailer cable can be modulated as you ride, every time you change the gear- they require less cycle maintenance. Modern index shifting systems are a little more complicated because each ‘click’ must release the exact right amount of cable to allow the derailer to move the correct distance to move the chain from one gear to another. Setting up and adjusting a derailer is not difficult and requires only basic tools, but there is a methodical procedure to follow.
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