As I bicyclist I never feel like I have trouble spotting pedestrians at night, no matter what they're wearing, even though I have significantly less lights on my bike than a car has. Maybe because I try to stay aware, and slow down if I feel like my speed starts to endanger other people. On the other hand, in the past two years I have almost been driven straight into four times, in the middle of the day:

1. I was riding in the bike lane, when a car exiting from a side road forgot to check whether it was clear, and instead continued straight ahead. Car had a yield line.
2. I was riding inside a roundabout, when a car tried to enter, almost hitting me.
3. I was riding in the same roundabout, when a bus forgot to check for traffic, swinging left (going against the direction of traffic) as if it was a regular intersection, and almost hitting me. This is a tiny roundabout, so this is technically the way a bus is supposed to navigate it, but obviously only once it is empty.
4. I was riding down the road (no bike lane) when a huge lorry suddenly turned from the other lane, going straight towards me while yelling. I still have no idea what was going on there.

If someone is distracted or otherwise driving unsafely, it doesn't matter what you wear. Unfortunately, a lot of people are using their phones while driving, going above the speed limit, not slowing down when conditions are bad or simply not treating driving with the needed respect.

As a girl, a defining moment for me, was when I heard about an exhibition showcasing what rape victims were wearing when they were raped. Some were wearing children's-sized nightdresses and ugly waterproof clothing. I think a similar exhibition showing what pedestrians and cyclists were wearing, as they were run down, would be an eye-opener for many people. I try to be reasonably careful, both as a woman and as a vulnerable road user, but I have long ago decided not to treat my fellow citizens as potential rapists or murderers.

What personal safety precautions you take when you're in a vulnerable position, is a personal matter. When your actions endanger other people, it becomes a public matter.