Are you commuting to work or bicycle touring? You said commuting, if you're commuting you don't need half that crap!
NO! you don't need Bells, no car is going to hear them and on a bike path you can yell louder than any bell can go ding.
You said you were commuting, are you first driving the car someplace with the bike, then ride the bike the rest of the way? Bungee Cords? why? are you carrying a tent on the rack that won't fit in the panniers? For that matter why do you need the panniers? Grocery shopping on the way home? That's fine, but I don't see the need for bungee cords. If you need bungee cords those things stretch, if you hit a bump on the road whatever was secured by the bungee cords will shift! What works better is Voile Strap Keeper, these are rubber straps that do stretch a tiny bit but only so you can cinch stuff tight, once cinched nothing moves! They come in different sizes so make sure you get the correct sizes you need, buy a spare set of keepers, they do have a tendency to disappear. They are a bit awkward to figure out how to use them but You Tube will show you how, and Amazon has videos as well.
A $40 car rack will be more trouble than it's worth! I had one a long time ago and the whole thing bounced when I hit a good dip on a country road, one of the wheels made contact with the pavement, yup, the wheel bent; also, there is no way to lock the bike or bikes to the rack. Go with Yakima do it right, do it once.
NO, there is no need for a First Aid Kit! All I carry is 4 Band-Aids, a couple of alcohol wipes, and superglue, yep, I can close up a deep gash with that glue, it will sting like hell, but that sting will go away, watch You Tube videos on how to use superglue to close wounds.
Topeak Mini Morph Bike Pump with Gauge, is an ok pump but it doesn't do well with high pressure tires, if you are riding on low pressure tires than that's fine. But if you are riding on high pressure tires, the Lezyne Road Drive medium size is the best one for combination of weight and ability. But if all you put in your tires is 45 to 50 psi the Topeak will be fine, but once you start heading past 50 it gets progressively more difficult to pump air...as does any mini pump, but the Topeak will be more difficult than the Lezyne will be.
YES, you need a Helmet, but that particular helmet is not a good one for brain protection, go to Virginia Tech helmet ratings, the three best ones under $120 is the P2R A20 MIPS at $60; Giant Rev Comp MIPS at $100; and the Specialized Mode for $120 which I think are on sale on the Specialized site for about 1/2, this is a true commuter helmet, but if you live in a hot climate it won't breath as well as the first two. Of the three the Giant uses better materials and will last the longest. I have two helmets; I use the Giant in the warm months and the Specialized Mode for cold months and add a head beanie when it gets colder.
YES, you need Lights, but that Ascher USB Rechargeable Bike Light Set ($8.99) will not be worth a dime! Those lights will not show up during the daytime, and at night they will be very dim, the battery is a very low-end Chinese OEM, it will not run for near as long as they advertise, and they'll last about a year before they won't take a charge. Obviously, you're on a budget, but safety is your primary concern, which is why I suggest those 3 helmets above, now we're looking at lights part of your safety package. You can go on Amazon and pick up a Cygolite HotShot Pro 200 lumen taillight for around $31; Amazon also has a Cygolite Dash 600 Pro for $45, the 600 number means it puts out 600 lumens on high. Taillights like the one you were looking at has more than one LED, that type and the corncob type get washed out in sunlight, the single led like the Cygolite is a more focused beam and stays brilliant in sunlight. The best headlight for the money is the NiteRider Lumina Boost 900, or the 1000, or the 1100 models, you can get these on their website on the refurbished section, here is the link:
https://www.niterider.com/pages/discover-niterider-refurbished These are less expensive because they're refurbished than the Cygolite but they're far superior to the Cygolite. Those Lumina series of lights are made extremely robust, they have a better battery, and for about $30 NiteRider will replace the battery when it no longer will hold a charge.
A word about batteries in lights, almost ALL headlights and taillights use cheap Chinese OEM batteries, they have 3 tiers, they will last about 1 to 1/2 years at tier 1 and up to 5 years at tier 3. Even though NiteRider can replace the battery in the Lumina it is still using the cheap Chinese OEM pouch tier 3 battery. More expensive lights like the Exposure will use the far better Japanese and Korean batteries that will last 10 years, and they too will replace the battery, but those lights will cost a lot more and your on a budget.
YES you need a Lock, but what kind depends on where you will be parking it: ROCKBROS Heavy Duty U‑Lock. It’s the only sub‑$50 lock that uses a full hardened‑steel U‑shackle, weighs over 2 lb, and includes a secondary cable for wheels. Everything cheaper is dramatically less secure! This lock cost about the same as the crap Krypto you were looking at. Of course you can buy a better lock if you want to pay more money, but you might have to weigh out how much crime is where you live and where you will be commuting to, and how much is your bike worth. You don't want to spend $250 to lock up a $150 bike! So consider the value of your bike and how much you can afford, I'm already pushing you to spend more money on a helmet and lighting, not sure how much more you can afford.
NO! Multi-Tool because of what you said: "I'm not totally sure how/when I'd use this." Don't waste your money if you don't know how to repair a bike yet, instead buy a pair of Lezyne Tubeless Power Lever XL Tire Levers these are the strongest levers you can buy, they won't break in cold weather either. Performance Bicycle has these for $8. Learn how to fix a flat on the road, you will be commuting, you need to know how to do this, especially on the rear, in less than 15 minutes.
YES but NO; that particular patch kit is crap as are the levers. If you get the levers I mentioned then all you need to buy is the REMA TT 02 Tour Patch Kit, Large, this patch kit will cost you $9.50 on Amazon.
NO with a caveat. If you need to save money due to the added expense of the stuff I've been mentioning, you can always carry your phone in a pocket or in the rear saddle bag, nor so I see why you need that bag unless you'll be doing touring trips, you didn't mention that was your purpose you mentioned commuting.
QUESTIONABLE: Why do you need a rear rack if you're not touring? Ibera Bike Rack ($24.99) is ok, but it can't handle more than 25 pounds of stuff, I know it says 55 pounds, but that's weight just being placed on the rack, that doesn't account for when you hit a bump on the road and that 55 pounds goes then comes down boosting that weight to 75 to 80 pounds, and doing so repeatedly acts like a slide hammer, and will weaken the welds and it will break. But if you are going light then it will be ok if you need panniers.
NO, you don't need rear Storage commuting to work, that Ibera 2 in 1 PakRak Commuter Bicycle Trunk Bag with Expandable Panniers ($58.99) will simply force you to carry more weight on that rack I discussed above. I do touring, I don't carry a trunk bag, my tent goes on top of the rack, it won't fit in any trunk bag, plus that bag adds unnecessary weight when touring, I don't need to put my tent that comes in its own bag into a trunk bag...wouldn't fit anyways! And I can't put a tent on top of the trunk bag, so X that trunk bag. Also that trunk bag came with panniers, those particular ones are not that great, there are two other panniers Amazon sells that would be better, the best of their inexpensive ones is the Rhinowalk Bike Bag Waterproof Bike Pannier Bag these cost $50 but what I can't tell from the lack of description is the price for one bag or 2, you would have ask Amazon. The other one is of lessor quality, and it is for 2 bags for sure, it only cost $28, it's called: KEMIMOTO Bike Bag Panniers with Rain Cover, 34L Waterproof Rear Rack Bag.
YES: you need a Spare Tube.
A word about panniers. If you need panniers then you need to buy a small box of WHITE TRASH COMPACTOR plastic bags to use as liners inside the pannier to protect from spillage and smells ruining the panniers. Why trash compactor bags? Because these are the toughest plastic bag you can get and they won't rip in one use like the other bags. Why the color white? Because when you open your pannier the white will reflect more light into the pannier and you can see easier into the bag to find stuff. All you do is roll the plastic bag shut before closing the pannier, this will help waterproof the contents better. You will also need to use ZipLock bags for anything inside the pannier that you don't want to get wet either from outside rain or something spilling inside the bag messing up whatever you had you didn't want to get wet and or ruined. I even use a compactor bag to put my tent in before strapping it down to the rack.
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