[dsfyu404ed]

Everything costs money. Everything has tradeoffs.

Safety is no exception. It's all about management of risk. If you seek to mitigate all risk you'll find yourself with even more risk because your bank account is now empty. The internet is great at telling other people how to spend their money so of course everyone will tell you you need the "best" helmet and the "most" reflective jacket, etc, etc.

[def_true_false]

If you don't care about looks, you could just get some reflective tape (the kind used for trucks, e.g. V82). Use it on the bike and helmet and you'll probably be more visible than someone in a fancy jacket. Spending couple bucks on safety seems like a decent tradeoff.