Lubrication

[WdavisUI]

I was reading the owners manual about my 2004 GZ and came across a section on the points on the bike that should be lubed with oil or grease. I regularly lube my chain and change the oil and filter from time to time and also check the tire pressure. Besides doing these things i dont do any other maintenance. How important is it to lube all these points and if it is important which are the most important. Also i was wondering what PSI is best to fill the tires to for someone who rides mainly city some 50-60 MPH and with no passengers. Also when my bike is idleing when its warming up sometimes i hear a small raddleing sound, any suggestions? Thanks.