A wrench that fits the hub nuts: If your bike has quick release front and rear wheels, you don’t need this, but if you have an internal hub on the back, such as the NuVinci, a wrench that fits is a great idea. 99% of the time, this is a 15mm wrench, but you should check your bike. A 6 inch adjustable wrench can also work, but it will be heavier, and when using an adjustable wrench, you do need to take more care to not round over the nuts. A fixed wrench is the best choice. Some multi-tools have a 15 mm wrench built in, but again, if you have limited hand strength, something with more leverage is a great idea.
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.
Brakes come in a variety of designs depending on the age and style of your bike. Rim brakes offer more modulation but have less stopping power, so are more suited to riding on the roads. Disc brakes can provide huge amounts of stopping power so are best suited to off road riding, although ‘V’ rim brakes are also well suited to mountain biking. All brakes use a friction system to stop the movement of the wheel, so regular checks of the contact pads should form part of your regular cycle maintenance.