I've got no problems with hi-viz colors and my decidedly un-stylish motorcycle jacket is just that. Fine in bike-specific clothing, but I can't stand the hi-viz vests for biking because they're an extra layer to put on, they get in the way of pockets and breathability.
If I had to put all my eggs in one basket, though, it would be in lighting. For daylight, BLINKING lights. I'm mostly a MUP rider so I have minimal cross-traffic, but whenever I ride my motorcycle where there is lots of cross-traffic, I run headlight modulators and I see evidence that I am suddenly much more super-visible than without. And that's on a big bike that's well positioned in the traffic lane and has me with my neon yellow jacket on. The relatively little riding I've done with day flashies on confirms the same effect.
There are a couple of very nice LED flashlights (I've grown partial to Fenix) that offer a flashing mode and can take a rechargeable battery. My local Costco last week had a nice $20 package of Eneloop stuff that I grabbed for my Fenix LD20, and I had recently bought another Fenix to have one always with my motorcycle that came in a package deal with a charger and some rechargeables that are basically the size of 2xCR123s (can't recall the battery size code). I felt weird at first spending $50 on a flashlight, but now I'm glad I did - hope I'm not rationalizing

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