Forget high vis. Go with lights. It's expensive but it works.
Dinotte 300 lumen red flasher in rear - day and night
Serfas 500+ lumen flashing white up front - daytime, steady on white up front - after dark
Lights are USB rechargeable. Gonna cost you about $300+US. You want to put a minimum price on being noticed day or night, there you go.
You want to add a safety vest beyond that to make you feel better, go for it. High vis colors do little good after dark anyway. That's why the designers load them up with reflective bits. Reflectors are worthless to motorists whose headlights are not hitting you, like those backing from driveways, or pulling across the lane ahead or you, or right into you. "He came from nowhere" will be literally true after dark.
Get some serious lighting power. You will be amazed at how much better motorists react around you.
And if you are cycling after dark in a congested, evil, boneheaded area, hit the 500 lumen flasher up front and blind everybody. The entire world will freeze up as you roll past them. Rude but highly effective. Great for Friday night high school football traffic.
Last edited by JoeyBike; 10-28-14 at 12:59 PM.