Listen, I'm decidedly not a "safety third" kind of person. I love riding, but I'm the nerd who'll put on a helmet to go to the gas station, and I make no apologies for it. I've known people who've been injured and even died just doing the kinds of slow-speed, seemingly low-risk things you wouldn't usually think twice about. As a result, I'm the kind of person who's extra careful.
And I've also done more than my fair share of commuting on bikes at night, particularly back when I used to go to class late into the evening after my full day of work was done. So I know from first-hand experience that making sure you're seen on the road is of the utmost importance.
Am I telling you that I'll wear a hi-viz crossing guard vest on a bike when it's extremely foggy or rainy out? Yes, absolutely. I would rather look silly and get home safe than ride in murdered-out gear and then actually get murdered because someone didn't see me. Sorry, but I'm not sorry about that.