I get my first bike in about a week and am thinking about tools. My spinning instructor/cycle guy told me that I need to have at least the tools for changing a flat, an inner tube, and a multi-purpose tool for adjusting stuff. He seems to think that I would have an easier time with a small pump as opposed to cartridges. So, I thought I would ask the collective wisdom here on this.

Please note that I am a total newbie to cycles, and I am going to ask the LBS to teach me how to change a flat. I have seen both for sale at the LBS, and noted that I can carry either in a little bag on my seat post(?). Which would be easier for a novice?

In the future I will also get a little computer for the bike (once I am ready to break free from my instructor and head off on my own) - are there other tools that I might need to consider for the future?