I honestly don't know anymore what works better--high vis vs. reflective vs illumination, so I'm going to go with all three.
I'd been running just a set of lights--flashing white at the front and flashing red on the rear.
I just added some red and white reflective stripes onto the bottom bit of the rear fenders, as well as the front, though I'm not sure how useful the front ones are since they're mostly tucked behind the frame when view from behind.
I also put strips of white reflective tape on the crank arms so that when view from behind you can see there is motion. I think this is useful. Oh, and two small strips of reflective pieces on the back of the pedals.
And last, I put on a orange vest with yellow reflective stripes right over my backpack. The stripes run from front to back.
I'm sure there are other things I can do, like getting something reflective on the helmet. I do have a headlamp. Perhaps some spoke lights, but that might be overkill. Work in progress.