Adding a helmetlight is NOT overkill. The more lights the better.

Reflective vests. I picked one up for less than $10. in the sporting good section of a local department store. It was labeled for runners and works fine for cycling. It's big enought to wear over my backpack and is VERY reflective. If you have a Harbour Freight Store in your area they have a nice selection of saftey vests and other reflective stuff at a really good price.

bikerHen