I just checked with my friends that lived in the Netherlands for four years to see what their experience was with bikes and lights. Here's what they told me.

1) Lights are required after dark, and unlike here the law is strictly enforced with real penalties for non-compliance.

2) Bikes do not necessarily come equipped with lights. Sport bikes, typically, would not come with lights. Very low cost bikes may not come with lights. A "typical" Dutch utility bike would come with lights wired to a generator. As my friend put it: "Riders of utility bikes would complain mightily if they had to cough up more euros for lights, and conversely riders of sport bikes would complain if they had no choice but to purchase a bike with pre-installed lights."

Speedo