I know around here police will occasionally stop a cyclist at night no lights/reflectors. There is also a helmet law that seems to be selectively enforced. It seems that criminals who like to paint their bike flat black, wear dark clothing and wear bikes like to prowl cars and commit burglaries. Who knew? If you have something reflective or lit your chances of being stopped are greatly decreased.
I agree with the prevailing thought that I'd like to be compliance with the law, because if I'm involved a collision I don't want some lawyer or insurance company making an issue that can be easily stopped in the first place. I actually exceed the requirements because I don't want to rely on a rear reflector, but it there with the myriad of lights.
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"I've been dropped a lot of times, but it's never been because of my bike." DXchulo