I see a lot of commuters here who ride in street clothes--especially dark blue, brown, or black jackets--with no lights or one blinky. We've got street lights, but a lot of trees still have their leaves, so it's really hard to see cyclists here unless they're lit up like Christmas trees. If I, as a pedestrian, have trouble picking you out, you've got a problem. (And yes, I've had to look twice--"Wait, was that a cyclist?")

For road riding, I've got my obnoxious Union Jack jersey, orange/yellow, yellow and black, sky blue/white, and this. I care a little less about what I wear on the bike trails back home, so that's where my one mostly-black jersey gets worn. My jacket is black too (with a big reflective design all over), but it's gotten most of its wear on the bike trail, thus far. I don't go out in low light conditions.