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.
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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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