Everyone has you covered for rear lights and reflectors. Rear lights and reflective material do protect you from being involved in someone hitting you from the rear. These types of accidents are a fairly rare event, however.

Being hit from a vehicle turning left in front of you or coming out of a side street are far more common. A mistake that I see all to often is ignoring front lights. Most people think that if they have enough rear light they are safe and they can 'get by' with a cheap and weak front light. The front light serves two purposes. It lights your way, of course, but it also is a signal to drivers on side streets and making left turns that you are there. At a minimum, you should have something along the lines of the Fenix L2D...and yes, you should have more than one...but those are only the starting point. They put out around 180 lumens which isn't much light. 400 lumens is better, 700 lumens is where people start to notice, 1200 lumens is where people start to worry about anal probes and anything above that is just plain showing off (I run around 4600 lumens)

Think of it this way: At 180 lumens, you are saying to the world, "Um, excuse me. Um, I over here. Please don't run over me." At 4600 lumens you are shouting to the world, " Hey Dipsh*t! I'm here. You wanna piece of this!"

Get, or build, as much light as you can afford