All my rain and bad weather gear is bright yellow. Trousers are black but being cycling gear, they have reflective bits on them. Most of my jerseys are yellow or red. I knew of a man, who worked at a local army camp and he used to cycle in to work (Through the hedged lanes) wearing a combat jacket

.
I'm lucky that I don't have to do busy roads (1700 feet and windswept yes) but the off road run is nice. I tend to reach quite high speeds, so my front lights have to be powerful. My road bike has a 200 lumen light, which is enough for 35 - 40mph (Roads with hedges are easier because the light reflects off the hedges back into the road). My mountain bike has about 750 lumens. You need to see the ruts and roots before you get there and there are no road markings, so although speeds may be lower, you need more light (Also my off road route goes partly on an old tram road over open moreland).
The other night I was on the road bike and I rounded a bend to find a car waiting to pull out of a pub car park. In broad daylight, I
know the car would have pulled out (Most people have no idea of how fast you can go on a bike if you're used to it) but because they saw my light rather than me or the bike, they waited until I passed them. In that sense night riding has its advantages. In the old days you tended to just get dazzled by on coming cars but now they dip, as I do. If they don't my full beam (Esp the mountain bike light) puts them right.