I'm kind of in a similar boat. I don't have much interest in shooting animals though. Anyway, I have a film and digital body (though I've kind of neglected my film lately) and a 50mm prime lens and recently acquired a 70-200mm zoom lens from the proceeds of my first paid shoot. I also have a strobe for indoor studio portraits (alien bee 800 w/ umbrella, etc) and a sigma ef500 flash. I would feel comfortable in doing any portraits now, but still am a little nervous about weddings. I would like to pick up a decent wide angle lens before doing a wedding. That being said, I do have 2 people who I have pretty much obligated myself to shoot their weddings in the coming months (one this month). Both of which are very low key. The one this month was only going to have a bunch of disposable digital cameras for guests to take candids if I didn't want to do it, and the other is about the same.
I think for portraits, you should at least have 1-2 prime lenses (e.g., 50mm and maybe 85mm) and some good quality strobe light(s). I think for a wedding, you would be negligent to not have at least one back up body, several gigs of memory, a good prime 50mm, wide angle and zoom lens. I think you could eliminate filters unless you shoot exclusively film, as many things can be easily reproduced by photoshop. It wouldn't hurt to have a good quality c-polarizer to fit your largest lens and step rings to fit the others.
There is always a lot of discussion in the portrait section about this, and many would recommend 2 film and 2 digital bodies, 4-5 lenses, 10+gigs of memory, flash, etc. I think this may be somewhat overkill, but it would certainly set your future business back if you showed up to a wedding w/ one camera which failed before the ceremony.
As D-50 pointed out, simply acquiring the equipment doesn't make you a photographer anymore than buying a thermometer makes you a doctor. There is a lot involved in learning lighting techniques, composition, exposure, etc. which is implied. I am not at the point where I would go out and market myself as a photographer. Rather, the work I have done and have been asked to do with weddings and senior portraits, family portraits, etc. have been based on individuals who have seen my work and base their decisions on that. Future work will depend largely on the quality I am able to deliver in those jobs. For now, I will continue doing this on weekends and spare time while keeping my 'real' job as a psychologist until I can leave it behind and do photography FT.