No quitting! Fabric can get pretty expensive, but you can be clever about where you find it. A good deal of my stash came from Craigslist at HUGE price cuts. If you are patient and willing to work for it there are always deals to be had.
As for what you "need" to quilt, well, the list of what you already have looks pretty good to me! Maybe some needle and thread if you plan to hand-bind? DO NOT buy gadgets at this point; if you choose a quilt that "needs" a gadget then come back here and someone can show you how to get the same effect without it.
Quilting can be very spendy, but you can be economical about it. If nothing else, try a hand-pieced or hand-quilted project to slow you down a little
