1. Yes, but what lights, set up how? The options are endless. I go with three Superflashes on the back, one on the bicycle, two on my bag, with one of the on my bag set to solid and the other two on flashy mode. I plan on buying a set of Cateye's new amber wheel running lights (finally, finally, finally, someone made amber running lights). Up front I have a Dinotte 200L and a blinkie. Ideally I'd like to have something like the the CygoLite MiliOn on my helmet as well.

2. Reflectivity is not really something I focus on. A vest would be useless as I ride a road bike, usually in the drops, and have a giant mess bag on. A high viz jacket helps, and I wear one in the heart of winter when it's dark and rainy on my ride in and when I ride home, but most of the year I don't bother with high viz clothing. My road bicycle doesn't have any reflective material on it other than what's on my saddle bag, although my gloves and mess bag both have reflective elements built in. My touring bike has tires with reflective sidewalls.

3. Yep. If you wouldn't do it driving a car, don't do it on a bicycle (with a few exceptions like riding on the shoulder where legal).

4. Best avoided, but this is fine if you're in a group.

5. Yep. Make yourself as visible as possible, but never expect anyone to see you.

Adding to your list:

6. A big bright "see-stuff" headlight is supposedly one of the best things you can do for your side visibility.

7. Have lights at different vertical levels. On the bike, on your helmet, on your bag. Also have lights both on your person and your bike, that way if you do go down, and are laying unconscious in the road, you or your bike have less chance of being run over.

8. Remember that the faster-than-they-expect effect is even worse at night, regardless of how well lit up you are. When you're a point of light, or a series of points, don't expect motorists to accurately estimate your speed, especially if you're doing 30 - 40 mph in a downhill section.