Valid point and I have experienced this frustration, especially when my local shop does not have the tool I need. Your list above is a good starting point for gathering what will be needed for general tools. I think, for me, the "buy them as you need them" refers to the more unique tools ie "don't buy a bottom bracket tool until you know what bottom bracket you have" or "Buy a freewheel remover, for the freewheel you have" In my ideal world I would have all the tools I need on hand, but as most folks here know, if I had every tool needed to work on my various bikes, It would be a huge kit and cost a pretty penny. I am pretty sure most people built their tool kits over years and as they acquired bikes that required new tools. That said, if I had a bike as nice as your Cinelli, I would be sure to have all the right tools on hand to give it the love it deserves.