I don't ride at night. It's just too scary to me. Turn off the sun, add a driver who is tired and distracted at the end of the work day (or worse, one who is coming home from a bar at the end of a work day), put a cyclist on the side of the road, and you have a potential for heartache.
But now that the time change has rolled around again, it is often kind of dusky when I ride home at night from the office. This is compounded by the fact that this time of day is also when traffic is at its heaviest. So I have a dusk-n-dawn bag of tricks I use whenever the sun is low in the sky. At that hour, I don't need to see where I'm going so much as I need it to be seen. I strap a head light on the bike, turn on my permanently mounted tail light to blinky mode, and don some reflective clothing. Here is the kit spread out on a coffee table at home:
I'm not going to name the brands I'm using, since they are kind of high-end, and I don't want people to think you have to spend your retirement savings to be seen. Head lights and reflective clothing can be cobbled up from inexpensive sources found at your local hardware store. A reflective vest, an led flashlight strapped to the handlebars, and a tail light from your local bike shop all can be had for about ~$10-$15 each--less if you are a true thrift-shopper.