One more thing I found useful to have is one of those "Hobie Tools". These are great to carry on the boat and are very useful when you have to make a repair/adjustment on the water or at a nearby beach after you left your launch site. I personally carry two styles, the one from Murray's and the smaller Hobie brand tool. I have also since added a Leatherman Tool. You can do just about any quick hardware reapir on teh boat with those three tools

BTW, I wish I had a list like this when I started. Most of them were learned the hard way.