In my apartment, I have every tool I can use except tools to remove and install a headset, including the ones you designate as wait-for-coop. It's very handy to have the tools on hand, and I think I've gotten my money's worth. We have a weekend home, and I shuttle some tools between the house and the apartment: headset installing and removing tools, derailleur hanger straightener, dropout straighteners, and a truing stand. Everything else is duplicated in both places. Yes, I'm tool happy, but it seems to be money well spent.

I recommend that you also have lots of different pairs of pliers of various shapes and sizes. A vise is a wonderful thing to have if you have a bench to mount it to. It helps with lots of things, including adjusting and overhauling hubs. I have a bench and vise only at the house.

And if you don't have them in your home tool kit, you should have a very large adjustable wrench, a ball peen hammer and a rubber mallet.