If this is the only bicycle you will ever own... and the only time you might need to do simple repairs... then you don't need tools.

Let on line shopping be your friend. Amazon.com, performancebike.com, and nashbar.com all have inexpensive bicycle tools and tool kits. Your local library will have bicycle repair manuals (also available on line). And tons of great bicycle repair maintenance videos on Youtube.

I am big believer that if you can't fix it... you don't own it. You're only renting it from the repairman.