two lights up front - 1 set to flash (check local regulations), one solid and very bright.
three lights on the back- red Flashers on the frame and my helmet, solid red on the rear rack.

In the dark - I wear the classic construction worker vest, hi-viz yellow with the reflective strips.
$7 at Home Depot.



I also have a wind-breaker I got from 'Alert-Shirt'
ANSI Class 3 Windbreaker Rain Jacket with Hood