It is the unexpected that sometimes creates the need. For example, I was riding home on a MUP during daylight hours with helmet & handlebar headlights turned on. Bright lights, not a weak AA. A young woman riding the opposite direction came around a corner into my side of the MUP. I was on the far right side (my right). She saw the helmet light, veered to her right & ran head on into a young man riding to my left. That helmet light saved me from a collision with another cyclist during daylight hours. Both cyclist were injured, not severely. But, the young woman probably had a concussion & the young man had a dislocated finger, a destroyed $500 front wheel, & road rash.

I keep the lights on (helmet & bike mounted) all the time riding no matter the location or light conditions. I have had motorists pull up to me while on a group ride & comment on how well they can see me.

Don't discount the value of lights no matter the location or conditions.