If I ride at night I always have a very bright front and rear light on solid and a rear and back on flash mode. Also make sure I am wearing a cycling specific fluorescent jacket. But I have no reflectors on bike, so guess I would be deemed illegal.
(I tried to purchase some reflectors recently at my LBS to be told they don't sell them as no demand.)
I try to be visible to other road users and always have lights on if it's a dull day, however, it's no guarantee that I am safe and it really depends on other road users.
I try my best to be "visible" and was quite concerned for the young guy I saw recently on a very busy roundabout in fading light, dressed in black, no lights, reflectors and wearing big headphones.