Sounds like it'll probably be a good fit. As you can tell, you can get into cycling as much as you want to. People here are helpful, though, as you can see. It is good you have family/friends nearby that has all the extras like tools, bike pumps, etc. - that stuff is what can really add up with a new bike.

Once you get it, just get a helmet, a lock, and ride it. All the other stuff can wait if it has to. Also, unless a bike is a severe misfit, there is usually considerable room for adjustments with the handlebars (up/down), seat (front/back), and seat, again (up/down). Usually things can be tweaked to get a good ride if the frame is about the right size. Plus, there is fit then there is fit. Things only get really, really picky if you are on that saddle for 50-100 miles.

I commuted with a backpack for a year before I got a rack. Even then, I just put on a rack then attached a plastic crate to the top of the rack with bungee cords (poor man's pannier). It worked for a couple years and was much cheaper than pannier bags. I was teased on a community ride about it once, though...I said, "what are you talking about, that's an aerodynamically-designed $350 carbon fiber crate."

So, no worries...enjoy.