It depends upon what you want your lights to do, and what you do. I commute by bicycle every workday (and on days off, I ride whether light or dark), so I've spent as much, if not more, on lighting than on bicycles. I believe in see-and-be-seen, and have no doubt that my lighting setup has saved me from a few nasty crashes (that would have been caused by sudden encounters with obstacles and ice), and from being hit by drivers. I consider my lighting equipment an insurance policy.

Beware the "mission creep" purchase pattern, common with bicycle lighting: Long ago, I started with lousy lights, then got not bad lights, then got good lights, then got excellent lights, then got state-of-the-art lights. Shudder to think of the waste in buying in that manner.

My setup is 80 percent Dinotte and 20 percent Niterider. Since you're asking, my advice is to take a crowbar to your wallet and start out with a Dinotte 600L and Dinotte 140L rear flasher. I know that's a huge investment to the uninitiated, but I would consider it.