So, I put a Schwinn World 24 Commuter on layaway at performance bike today. It has a rack and fenders already, but what else would you call a necessary accessory? Obviously a lock, I'm going to give myself a forty dollar allowance for a lock, as I'm not in a high risk area, and a helmet, I figure a twenty dollar one is as good as 120 as far as protection. And lights; definitely getting lights that are rechargable, or rechargable batteries. But what else? What else can you guys not live without on your rides?

EDIT: I'm also investing in a trunk rack for the car since the boyfriend's car isnt big enough to fit it, lol. I dont know the area well enough to ride it home yet.