Thanks for all the replies.
I certainly want to be covered in case of an incident. So, it's important to watch my p's and q's regarding the law.
I have not ridden without a headlight. But I have seen some nighttime commuters with just a taillight only.
There is reason to be visible from the front i.e. vehicles exiting parking lots and side roads, etc.
I will continue to use the headlight.
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Would you like a dream with that?