Thanks for all the tips!
I have been riding around a bit the past few days, and today my helmet, lights, and ankle strap/reflector came in the mail! I bought a U-lock and patch kit in person and the cable will be arriving tomorrow. I'll add a bike rack, fenders, and panniers at a later date.
Biking is really fun! - it is a tiny bit of adventure added to your day, and it gives me a new way to think about and explore my city.
I am a bit worried about getting hit by a car, but I am much more afraid of heart disease or other consequences of a sedentary lifestyle!