I carry a wrench for the high-speed compression damping adjuster and a flat blade screwdriver for the fork adjusters.
As for getting the settings right and leaving it alone - I wish. After dozens of adjustments, recording each one, I am beginning to hone various baselines for commuting, touring (with luggage or 2-up without luggage), off-road vs. pavement, then for full-on 2-up riding, I swap in the 950 lb. spring, for which I have yet another set of damping settings. At least I'm getting toward the end of this experimentation phase, but keeping 2 simple tools handy is no big deal.
I find the shock rebound adjuster the hardest to manipulate because it's an awkward location and I can just barely get my finger tips on it. Don't get me started on the preload adjuster. 2 more tools (3mm hex & special Penske shock preload collar tool). I measure by counting the collar threads (lines). My normal sag with the 750 lb. spring is 15 lines. The maximum I can tighten it is 17 lines, which is a few millimeters shy of ideal sag for 2-up. The excellent damping makes up for it.
I do have shock removal, spring swap with indicated adjuster settings, and shock install down to about 30 minutes if I'm focused. It's worth it to have my wife ride with me up into the mountains, out the dirt roads, to a good camping spot.
Super Ténéré - world's best 2-up dirt bike!