This is tough, you have the law saying no and the busy streets saying no. Are there any side streets? I don't live where you live so I'm not sure what a busy street means to you. But I use to ride in Los Angeles at night never thought much of it! And that was back in the day of dim head and tail lights!! If only one cyclist was killed back in 02 on one of those major roads then it doesn't sound like the roads are all that bad? Geez, we had a cyclist killed on a lightly traveled road in the country in 11, does that make that road busy or unsafe? No. Just means the cyclist ran into a bad driver, and that's probably what happened to the radio guy or maybe the radio guy wasn't using adequate lighting?

If your lit up like a Christmas tree you shouldn't have any problems, but of course that is never a guarantee.

What's the two major roads your talking about there in Seminole FL? It may be fun to google earth it, drop down to street level and "drive" around and see what daytime traffic looks like.