About half of my riding is after dark this time of year. (It’s hot in Florida.)
I just got a Schmidt generator hub on Friday, so when I put it on the bike I’ll have it, with two Lumotec headlights, along with a NiteRider Pro 12E in the front. In the back, I’ll have a NiteRider taillight on the bike and at least an Eclipse LED blinkie on my Camelbak.
Depending on how well I like the Lumotecs, I may only use the Niterider for the taillight and for backup.
Cost of lighting stuff: about $600. Cost of Trek 1220 (used) $600.
Fewer than one in ten riders I see after dark have any form of lights. If they have something, it’s usually a blinkie with low batteries.
I get lots of positive feedback from motorists and peds.
Riding with headlights should be required by law. At the very least, everyone should at least have proper reflective material to wear to avoid being hit.