Well, I try not to ride at night if I can help it. My morning commute in winter is dark, but not heavily trafficked.

I use a Serfis 250 light on the front and a B&M solid red light on the back. I have reflective tires, and I wear a yellow safety vest with reflective strips on it. Probably $100 on the lights and $15 on the vest/

I've seen drivers start to pull out, then see the big yellow guy on a bike coming, and they wait.