I've got everything suggested except for the reflective things on the spokes. I think I'm going to add them. I'm not sure what the resistance is to wearing a reflective vest. Mine is a mesh fabric, very light weight, and I don't find it cumbersome at all during a dark commute. As far as lights, I have a dynamo powered headlight/tail light, two flashing blinkies on each side of the solid tail light, and a blinky on the backside of my helmet. I also have an up to 850 lumen light on my helmet. My Ortlieb Panniers have a large reflective triangle that are illuminated by the headlights of cars behind me. Tires have reflective side walls. When I list it all out, it seems like a lot of stuff, but it really isn't overkill... most of the stuff never leaves my bike.