I agree with the multiple light philosophy. What I've got is arguably overkill. But I gave up my car 19+ months ago....

So I have mounted a Thule pack n pedal rack in front, and altered it with a light bar. It's got 3 separate lights (cheap chinese stuff). I have a niterider on the handlebar as well as an Orp (which combines a medium loud horn and small "get noticed" light). I have another niterider for my helmet. With all of the lights on at the same time, I can sterilize snails ... the niteriders are USB charged (internal, better weather protection) and the cheap chinese lights have external packs. I carry an extra pack, and I rotate which lights are in use ...

For the back, I typically have two panniers ... so a light on each one, and one on the rack itself. I also have a seatpost mounted light.

For winter commuting, I also toss on an ankle light or two.

As my commute is typical 1hr or less, and I have multiple light options ... I don't really feel a need for dynamos; but that would be a natural next step.