Visibility is important in the day and night. If you ride a lot during the day that’s probably when someone crashes into you saying “I didnt see you!”
I would emphasize a high visibility vest, shirt or jacket day or night then after that for night your helmet has a headlamp and tail lamp with head and tailamp on the bike. I put reflective tape everywhere.
Driving a car at night I’d register a bright jacket as a person before a collection of moving reflective bits. A bright tail lamp and headlamp would indicate another vehicle more than reflectors. Not saying reflective tape isnt worthwhile just that it won’t make up for dark clothes or inadequate running lights.
In my commutting on a busy street I did a lot of evasive maneuvers for cars who obviously didn’t see me in the light of day. Changed noticably once I wore a high visibility vest or jacket.