I am a responsible guy, married, and I have a 20-month-old little girl. I'm in my last year of aerospace engineering school. I ride bikes for fun and for transport. I have been a bicycle commuter for the last 2+ years of school, but have been riding bikes of an on for about 8 years before that. How I ride, how I carry my stuff, and what type of gear I use has slowly evolved.
From the beginning, and even today, I will not ride without my helmet and a front and rear light. The helmet is it's own thread (like that overblown sticky), but I wear it because I'm interested in living and don't trust drivers. Lights just flat out make sense.
However, I REFUSE to live a life where I must don hi-vis vests at all times, wear a helmet mirror, constantly run a go-pro camera for collecting evidence, or run seven rear lights and 4 front. That would simply suck all the joy out of biking for me. It would feel like letting the terrorists win.
Not even sure why I'm posting this (or why I'm putting it in A&S), but there ya go.