I have to agree with this. You stopped and looked and STILL failed to see the rider. Reflective gear is not useful if there are no lights illuminating the gear. Even a crappy front light would be better than nothing. Fortunately the rider was not going too fast to avoid a bad accident. I would be pretty shaken up if I were driving in this situation.

I'm glad you stopped, but I wish you would have suggested that the rider invest in a light.

And I'll post a PSA for everyone who drives to ALWAYS use your blinker even if you don't think you need it. The cyclist, pedestrian or silly 13 mph motorized skateboard rider passing you on your right will be able to react to you. Passing on the right is the one of the more dangerous moves for a cyclist.