Once it starts getting dark the hi-viz waistcoat and the hi-viz rucksack cover go on.
During the light months, most of my tops have hi-viz yellow colouring on them, and reflective elements / piping. If it's grey, overcast, raining, dull, dank, misty or foggy during the non-dark months then I'll be riding with my lights on in daylight.
As I voted above, I use the common sense approach depending on the conditions when I'm riding.