I'm a big fan of pedal reflectors, although i don't have any. Years ago i was a passenger in my dad's car. It was night time and the lanes were unlit. The only source of light was Dad's headlights in the distance i noticed something small, bright and bouncy... I wondered what it was. It was only as we got closer did the little red rear light become visible and identified the cyclist. The fact that the pedal reflector stood out long before the cyclist's rear light impressed me, so in spite of not having any pedal reflectors, i do wear a reflective ankle strap/trouser clip (it's actually a velcro arm band from the pound shop aimed at joggers).
Other than the ankle strap, i have two bright rear lights but only use both if it's raining heavily or i'm on unlit roads, and i wear a pale coloured hat... that's it.
I used to have a lemon yellow jacket but it was more breathable than waterproof so got rid and bought a better waterproof, which happened to be black. I was a little concerned at first but after a decade of not being rammed off the road because i wasn't visible enough, i reckon my reflective ankle strap, rear light and pale hat is plenty visible enough.