I've had good luck with visibility, so far. I agree with Creaky

Cygolite Hotshot on seat post
PlanetBike Superflash on left seat stay
PlanetBike Superflash on back of seat wedge bag
Foxfire 5-led horizontal light high up on right seat stay above brake bridge

MagicShine 900 lumen on bar
Cygolite Expilion 250 on helmet

Reflective ankle bands
Class 2 Level 2 Hi-Viz yellow safety vest with silver reflective bars.

Last year, I chased and caught up with a local cop who passed me on the road at night. I was concerned about the visibility of the light on the seat post just under the tool bag. He said he could see that light, and he commented that the safety vest really showed well.

A few of my co-workers who have seen me riding at night said my bike looked like an ambulance going down the road. I'll take it. So far, so good.