During standard (non-daylight saving) time, most of my after-work rides are after dark.

1. 900 (alleged) lumen light on the bar. I usually run it on low or medium.
2. 250 lumen light on the helmet. Run it on medium.
3. Four tail lights including 2 Planetbike Superflash (on back of tool bag and on left seat stay), 1 Cygolight Hotshot (seatpost), 1 Foxfire light (seatpost). All lights are flashing.
4. Refelective safety vest
5. Reflective ankle bands

I don't ride any new/unknown routes after dark.

I've had fewer close calls after dark than I have had in daylight. I believe I'm quite a bit more visible at night. A local police officer told me my vest really sticks out.

I ride all year except when there's snow or ice.

So far so good, and yes, it's usually fairly peaceful riding at night. Well, except for one evening when I was about back to the abode. There's no traffic, and I'm coming up a hill for everything I'm worth. I'm looking down toward the road and then raise my head a little. Suddenly, quietly, and with no notice in the beam of my helmet light, my entire field of view is occupied by brown feathers about 12 inches in front of my face. I have no idea what sort of bird it was, although I suspect it was an owl. Whatever it was, was adept at aerobatics as the two of us never made physical contact.