i’ve had a few over the years. In all cases, in the dark,riders wearing dark colours / black, with no lights or reflectors or anything darting out of alleys or side roads on very badly lit roads, in heavy rain etc. How could you feel safe with No lights covered head to toe in black, in such conditions? Seen adults with reasonable bikes do this too, riding on the roads.
One to remember also is to make sure that you rear light isn’t covered by baggy jackets or panniers . bags etc.. as some are. They must think that they are visable even though for the most part their rear lights are useless. Always good to use two in different positions.