I ride mostly at night, from 1930 - 2400 hrs. Nearly all of it is in town and / or on a path along a canal.

I couldn't buy the bike plus needed gear at first. I added slowly.

First, moonlight when available. That was free.

Then fluorescent ankle straps. Small, but moving color.

Then hi-vis lime shirts with 3M Scotchlight bright tape all over. That really helped auto drivers see me.

Next on my list is a strobe rear light. I'm not sure I want a front light . . . usually.