Here is my current gear and bike components:

TREK 3700 mountain bike with regular handlebars and front handle bars. Studded tires for winter, smooth tires for summer.

Lighting I don't mess around since I'm out when it's really dark and last call at the bars is only an hour before I leave. What I have is a front headlight about the size of my fist that has 3 settings - flat beam, partial strobe, and full strobe. I usually use partial strobe so I can still see. I also have a dedicated strobe light (not as bright but gets job done) which is mounted low on my frame on the left side of my bike. It is pointed toward the ground with strobe effect thus having a flashing road for about 3 feet to my left.

I have a blinky light on my backpack, and 5 reflectors also on my backpack. I have a rear blinky light underneath my seat that is also the size of my fist and bright as hell.

I actually think this might be overkill, but I'm not messing around.

Gear for winter I have (just found out) will be getting 'rain pants' and ski goggles from my dad and he's going to search what else might be usedful. I have a hood, hoodie, 2 sweatshirts so I guess I'm off to a good start.