Join Date: Nov 2000
Location: New Orleans, LA
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Previous posters have done a good job of outlining a pretty good setup. I would suggest just getting the basic stuff first because you always need the allen keys, combination wrenches, screwdrivers, grease, lube, etc. But I would say wait until you need them before getting things like crank pullers, cassette lockring tools, chain whip, cable cutter. You are not likely to have an emergency where you just MUST have a crank puller immediately. But when the time comes, invest in the specialized tool. Most are not expensive bought one at a time, and the right tool, like a crank puller, makes a task quick and easy. Pulling a crank with a $15 crank puller takes seconds. Trying to do it any other way may take time and risks damage to the crank, the bottom bracket, and even the frame.
Do get a good cable cutter. You don't necessarily have to get the $35 heavy duty Park (though it is worth the money), but don't balk at spending $20-25. If you ever have to try to cut a cable with regular wire cutters you will immediately appreciate the difference.
If it ain't broke, mess with it anyway!