I've had both cats and dogs all my live, with other random pets thrown in too. And cats are so completely individual!! My first cat was so very different to the three we have now, who are all really different from each other. Two of them love being cuddled and on a lap, the other does not. One likes to play, the other two don't.
Cats do need fresh water, but you will find them drinking out of puddles. They are also lactose intolerant - the cat and milk thing is a myth. Though if they have had cows milk from a young age they will have built up a tolerance to it.
If the cat is indoor house trained, then a litter tray is vital. A clumping, de-odorizing litter is a really good idea too. My cats are trained to ask to go outside for the toilet.
A regular deflea and worming schedule is really important.
Toys depend on if it likes to play. If the cat doesn't like toys then it won't use them.
Food wise, if possible, stick to the food it's used to. If this isn't possible, then there are so many foods available, so look for one that caters to the cats needs eg. if it's a senior cat, find a food for senior cats.
You said that you are slightly afraid of the cat. Does it come to you? Cats tend to like people who don't like them. If it does come to you, just quietly hang out with it and get used to it being around, and build a relationship with it that way.
As for a pet bed, in my experience, they are pretty redundant, mine can and do sleep anywhere - my bed, the sofa, the wall, the swing set.
Also, has the cat been neutered/spayed? If not, I really recommend that you do that. There are usually schemes available for free neutering/spaying.
The thing about cats is that they want company when they want company. They are quite self sufficient. They're a lot more independent than a dog is. And they generally believe that they are the superior species. There's a saying that dogs have owners; cats have slaves.
As for the jumping on surfaces, tbh, it probably will, I figure they like to be high up as it adds to their superiority complexes(!) Having said that one of my cats doesn't jump up in the kitchen, but I think he doesn't like the smell of the kitchen cleaner we use.
Having a cat and enjoying it is fantastic - they calm me when I'm upset, sick, annoyed, whatever. They help teach my kids about responsibility, and I couldn't imagine my life without any of them, even the baby of the three (2 months old).
However, if this isn't something that you feel like you can commit to, then there's no shame or guilt in finding a good re-homing shelter that has a no kill policy.
Like Hollin said feel free to ask questions. And Hollin, sounds like your cat and one of mine were cut from the same cloth - 12 hours of sleep is a requirement for him!