Thanks everyone. I went to Dunham's and picked up riding gloves.
I looked at multi-tools but wasn't sure which to buy. I was leaning towards this one: http://www.amazon.com/Avenir-Woodsie...ie+minitool-11
Where do I get a new chain? I guess Howell Cycle is my only option?
Oh, and where do you keep the multi-tool? A pouch/bag that attaches to a seat?