High Vis helmets, jackets, pants, etc...should not be thought of as a cure of any sorts, you can still have idiots run you down. (You can still have deer jump in front of you or have drunks weave into you.) So , what I am saying is there is no guaranty that wearing said items will at some point save you....
BUT, they can only help. I have been fairly vocal about wearing bright colors as oppossed to dark ones for years. The "classic" biker get-up of black leather jacket, black jeans and if helmet, flat black paint , has alot to do with style and not much to do with safety. Granted , a leather jacket is a good move, but as our numbers increase, along with everything else out on the road, we need to start thinking offensively and not just defencively.
For years is was difficult to find riding gear in anything but black. Times have changed and many companies not only offer brighter colors, but even offer BRIGHT colors , like high vis yellows and greens.
Olympic makes there popular "Phantom" one piece suit in a bright yellow:
Fieldsheer makes jackets with bright yellow trim and reflective bits:
And even leather jackets can be had with a bit of eye catching color:
Another good idea for those that ride at night, is to add reflective stripes, dots, pinstriping, etc to your helmet and bike..(they sell refective fabric to sew to jackets/pants too..) See here for ideas:
You can even get reflective pinstripes for your wheels:
Again, not a cure, but a way to improve the odds so to speak.
So, you do not have too look like a deer hunter riding a bike (not that there is anything wrong with that...) as there are alot of options in gear if you wish to maintain some sort of "style" but make yourself a bit more noticable.
Another thing to consider is most folks are "fair weather" riders, and they spend most of their time riding on those hot sunny days of summer. Black helmets and gear are just making you hotter here. Be cooler and be more noticable. Dress for sucess as they say.................