We could go back and forth - but essentially we are in agreement. I've ridden around the world in crazy situations, and still get surprised at what traffic can do. The awareness and skills are paramount. High viz only works when you can see it, and great riding suits are worth the incredible expense. An upright posture on the right bike will get you seen pretty easily, especially at night. Police (at least in most countries) generally do a great job of being seen and protected.