I agree. If you ask people whether you have enough accessories, you'll end up getting a never-ending list of clothes and gizmos that various cyclists can't imagine their commute without. And each object might indeed prove indispensable for the person who's recommending it, but for you it may end up being a purely optional nice-to-have thing, or even something you dislike. For example, out of the list of suggested additions I personally would only go for sunblock: no need for shades, bandanas or gloves for me. Yet the people who recommended them probably really swear by these things. So start with the basics, and with time you'll figure out what else you might want, if anything.

Heck, when I started commuting, I had no guidance of this forum, and absolutely nothing other than a bike and a really dinky lock! Had no clue how to change a tire. No water cage or water bottle. No knowledge of cycling safety other than "stay on the sidewalk at all times". (Gosh, that poor guy pulling out of a driveway was REALLY shaken as I flew over the hood of his car...) You have actually done your research, and you'll be fine.