I wouldn't leave home without a centerstand and everything needed to fix multiple flat tires. 9 times out of 10, when I have a problem, it's a flat tire. I don't carry a torque wrench, and in fact do not even use on on my bikes other than for some internal engine bolts. I don't use one on the axles, sprocket bolts, or even the valve adjusters if they are screw and locknut. I did recently use one on the clutch basket nut when I installed a kickstarter on my XT225.
I have found that for most bikes the manual specifies too much torque for the rear axle. You don't need 100+ ft/lbs. on most chain drive bikes 60 ft/lbs is plenty. I have never had a rear wheel move in the swingarm at 60 ft/lbs. This is easily within the range where you can do it by feel and get real close.
I won't spend more on a bike than I think it's worth, but if it's a good deal, I don't seem to have a problem buying bikes I don't need.
2002 Vulcan 750, 2013 Royal Enfield B5
2001 XT225, 2009 Genuine Stella
1980 Puch moped