The streets where I commute are well lit.
This is what I use:
Standard Front, rear, & side reflectors
Headlight (weak one just to be seen)
2 taillights: solid beam on the bike, blinker on my backpack
Reflective tape on pedal cranks (give a similar effect to blinkers)
Hi-vis jersey/jacket
'Glo-gloves' (reflective) for indicating
Reflective arm bands (worn just above the elbow)
Wish List:
Blinking helmet light (cateye el-400, probably also useful for repairing punctures at night)
Better headlight (probably cateye el-500)