1) Decent easy to adjust brakes. and the tools to repair them.
2) Have enough time so you do not need to rush and ride aggressively.
3) Light colored clothing.
4) Smooth road surface, with steps and such clearly marked.
5) Books on bicycle safety like Forrester's

Lights are important in rural areas, but I have doubts if they really make you more visible where there are street lights.

Mirrors maybe. At night they cars headlights light them up. During the day I do not find them that useful.