You need 2 bright lights, one on the bar, plus the most important one being on the helmet. When driving on city streets, the closest I have come to getting creamed at night was from traffic (cars and even worse: other bike riders) who do California stops on residential streets. These are idiots approaching you from the side, and only do rolling cursory checks for oncomings. It was only when they had 1,500 lumens focused right at them causing the back of their eyeballs to boil did they actually stop at the big obvious sign that said STOP. I can't count the number of times my big headlamp saved me.

Lights to get: Magicshine.