No. Those things aren't really necessary to get started. However, once they do start, they had better begin to acquire the necessary tools to keep rolling, or else they're going to be in trouble. That statement becomes increasingly important with commute distance. They are going to need patch kits, tire levers, pumps, Park tools, etc..If getting to work neat and clean is important, fenders will also play a significant role in their commute. If they are carring a laptop, books, lunch, and such, a rack with panniers might come in handy, too!

Newbie commuters need to expect to acquire these things, sometime down the road. Hopefully, more sooner than later! Now admittedly, some folks will never need rack and panniers, so those commuters will kindly omit those things from the list. Some folks work in factories and mills. It won't matter to them that much, if they've splashed through a few puddles while cycling to work. For them, fenders are a futile concern.

However, practically everything else is a commuter requirement, if the commuter is being truly efficient...