I fear death. (and spilling my blood in general)
When bicycling I like to be seen.
Stealth does not get me around a 4,000 lb car at an intersection.

I have a yellow Kestrel Talon, and use yellow Conti tires.
I wear high visibility yellow, red, and gold jerseys.
I wear a yellow helmet.

Many of my after work rides go into dusk.
I would not purchase a black frame.