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I tend to wear as much high vis as possible on the road, and even use my lights if there is a cloud in the sky. Just invested in some bright morvelo socks too - so there is more "moving" lumo parts.
Didn't stop a lady crashing into the side of me last year, distracted by her children (her admission) at a T junction that she'd pulled out of without looking.
I still tense up a year later! Offroad is much safer. At least you take your own risks!
I've been using a headlight for a few years now.
Previously was the Lezyne Macro Duo (which I now put on the folding helmet I have on my Brompton). Now a joystick with a micro red eye plugged i the back
That gives me two front lights, bars on solid, head on pulse. And three rear lights, flashing fibre flare (nice and big), solid light on my rack pack, and little solid light up high from my red eye
Based on riding in London, three things are amazing
1 - people not looking (driving/walking/cycling it's amazing how people don't look. I'm pointing a flashing light towards them as they are about to cross or pull out and they're looking the other way)
2 - some people don't care, they see you and still don't care
3 - so many cyclists with crap lights or none at all. It's completely bonkers