I just got back into riding a few months ago because of health issues...Of course I didn't know that it would be so expensive for repairs and parts. It was simple when I was just barely moving and barely making it to my destination. Now 3 months later and 60 pounds lighter, I'm able to travel at a much higher speed and an even further distance. So now I'm in the "upgrade everything" mode and I don't know everything about tweaking the bike, yet. I purchased tools because I will be doing a lot of the stuff myself, but until then I still need to have certain stuff tweaked by professionals at my LBS.
I'm sorry, this hobby will definitely be much more than I expected when I started.
With that being said...I love riding!