I know the cow is out and you've already noticed the door is open and all that . . . I just recently picked up a selection of bearings, shims, washers and screws. Like you, I got caught in the middle of something without the tools to help myself.
The kits are sometimes pricey but you can assemble your own for a little less. My point (and I do have one) is that I considered these kits a "nice to have" but have come to realize they are just essential support items for my router bits.
P.s. don't forget the bearing lube. ;-)
Any sufficiently advanced technology is indistinguishable from magic.
- Arthur C. Clarke