I think lights are like any other type of bike gear, there's what you want, what you need, and what you end up with. I just finished an all night ride in totally dark rural country back roads.

I felt good about having a backup light, a head lamp and three tail lights. I've collected more lighting stuff than I need because I tried out several types of sub $50 lights.

If money really is the issue, a $20 head band light, used with some of the better high power flashlights is all you need. (battery and charger extra)

You can get a high quality Romulson, Fenix or Quark flashlight for $30-60, and a sub $20 head band light, a charger and lots of batteries all for well under $100 bucks.