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.

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.

To pick the right size bicycle, you want to measure your height, and specifically your inseam (inside leg), in proportion to the size of the bike frame. The inseam measurement determines the seat height, or the “stack.” Next, you must calculate the “reach,” which is the horizontal distance between the bottom of the frame and the head of the bike -- or, in layman’s terms, the distance between seat and handlebars.
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.