I do a weekly night ride with a group, but also ride at night on my own. I'd say I do nearly half my riding at night.

I have a cygo night lite, it was on sale at performancebike.com for $49 with nimh bottle mount battery. The model I have has 2 6.3 watt bulbs, one high beam and one low. I usually just use both unless the group ride is close together, then I'll shut the high beam off. I get 1.5 hours on both beams and 3 on just one.

For rear, I have the standard 4 led taillight.

I have no reflectors.

Just be sure that you have good batteries in your lights and wear your helmet and you should be fine! John Q. Law isn't going to mess with you if you have lights.