SWADE: Needed Tools and Character Creation 

As for miniatures and terrain, still try to remember it's an abstracted game. But, those two tools do give a nice approximation of what is in front of the players. Sometimes I forget cover, and my players forget it too. If you have cover, you are going to find yourself a lot harder to hit. I always use my Chessex Battlemat more for the approximate layout. But, if we're, say, in a blacksmith's workshop, I'll give a benny to the Player who asks, "Can I take a pair of tongs off the wall to use in jamming the door to keep the zombie hoards out a little longer?" And my answer will be yes. So, don't stress over having too great of a map or terrain. Make sure they don't slow you up too much. But, if adding them in helps your players have a better time, then, by all means, include them.