1. Think about how you want to clean your chain. One of those hidden link chain pliers is worth having in your kit. At some point you'll want to replace a chain and need a chain tool to shorten it.
2. Almost anything you do to a derailleur or brake is going to result in a frayed cable. When the day comes that you decide to buy a cable cutter, step up and buy a good one.
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My greatest fear is all of my kids standing around my coffin and talking about "how sensible" dad was.