WRT lights, I'm very much belt and braces.
In the past I've lost a back light (or two) over the years. So I always run two (for most of the reasons above). Loss or failure of one is mitigated by having a spare.
One the rear, I've actually got three (Belt, braces and an extra piece of string). As I also replaced the rear reflector for one with an integrated (battery) light.
Plus I have two of these - one mounted on the seatpost as shown, and they also do the same light but with a mounting system that attaches to the seat rails. They're great value too at less than £15. I remove them and charge them at work (USB Cable) so they're always charged for the home journey. I think I have about four now in total. They're great.
These glow more when you slow down and I've not lost one so far. (Picture is clickable and should take you to Amazon)