I am getting a commuter bike for regular use, and thinking about getting the biggest front basket I can find- and by big, I mean around twenty-one inches wide. Panniers are too expensive in general, two small baskets cost more than one big one, and I was told that front baskets affect steering, whereas rear baskets affect balance. (I also like the fact that my tiny, useless, winged arms can get a workout this way, but that is another story.) Anyway, I was also told that loads in baskets eventually cause the nuts and bolts to come loose, or cause other problems. What is the best way to avoid or reduce some of these maintenance issues? Also, what basic tools would I need? (I know nothing about bikes nor tools- I've never needed tools for anything.)