Part of the reason replacing parts is attractive is because shopping is easier than maintenance...and in practice it's easier than riding because it can be done sitting at a computer eating a sandwich.
But if that's your plan, then you'll need tools. Not many. Mostly basic bicycle tools. Not specialized tools for most situations, that's why those tools are specialized.
The tools I'd recommend starting with to keep your bike safe -- these handle everything that occurs day to day. They focus on the wheels.
hex wrenches. so nothing that's loose stays loose.
cheap ones are fine.
I mostly use a set of tee handles bought
from Harbor Freight for about $12. Sometimes
L-shaped hex wrenches for tight spaces.
track pump, it just makes keeping tires properly
inflated easy. Inflation makes a huge difference.
Tires lose significant air in a week.
tire levers.
a patch kit that uses rubber cement.
truing stand - a cheap one from china is more than good
enough. Without a trued wheel, brakes cannot be optimally
adjusted. Trued wheels create a huge ride difference.
Anyone can true a wheel, it just takes time and patience.
spoke wrench. not just for truing wheels but for
insuring spokes are not loose. not-loose is not quite
the same as tight. spokes need the right amount of tension.
the right amount is loose enough to for the wheel not
to run to that side and tight enough for it to stay true
chain lube.
screw driver for adjusting derailleurs if the chain
rubs AND you're not riding cross chained.
Second level tools for bearings. Wheel bearings don't require much attention but can need periodic service. If the wheel moves laterally when the brakes are applied or doesn't spin freely and isn't rubbing, adjust the bearings.
magnetic parts cup. when something comes off the bike
that's where it goes. even if it's not magnetic.
especially if its small. It will also find ball bearings
when they are lost.
cone wrenches to adjust wheel bearings. these are just
flat wrenches.
white lithium grease for wheel bearings. don't put it on
your seat post
Everything else is pretty rare - modern cartridge bottom brackets have removed a lot of maintenance and the associated tools. Pick them up when you need them. You need them when a job with the tools you have seems to require a lot of force or not be possible.
Lastly, not doing maintenance doesn't make your bike safer. If something requires maintenance and you break it and can't ride, that's safer than not doing required maintenance and going for a ride.
If you're really worried about over-torquing something, you can throw money at it. There are torque-wrench versions of bicycle tools that are used for torque sensitive operations.
Good luck.