I'd really appreciate it if someone could help me understand what light would be the best for me. I've been doing research for weeks now (reading here, the Mtbr Lights Shootout, reviews of various lights, etc.), but if anything I'm more confused than when I started. The consensus seems to be Cygolite Hotshot for a taillight, but head lights are still baffling to me.

Ideally, I'd like a light that can be used for unlit roads as well as busy urban roads with multiple lanes, but if I need to change my usual routes during the winter for safety of course I'll do so. I usually ride on hilly terrain, so seeing what's in front of me when going downhill is important. The light would be primarily used for the beginning or end of my rides, not necessarily the entire ride; however, I would be willing to pay more for longer battery life so I have flexibility and don't have to worry about being caught without a light (3h+? would be great). I'm on a budget (<$150), but safety is paramount, so spending a few extra bucks to protect my life is worth it. I don't think I have a preference for battery pack vs. self contained, so a frame-mounted battery pack is probably the way to go as far as battery life. Not to start a debate, but I've looked into the Chinese copies and it seems like the batteries are hit-or-miss, so I don't think I want to go that route, unless someone ca convince me otherwise.

Also, how important is having helmet lights in addition to handlebar lights?