Pearlsacarolsinger
Up in the clouds
I'm with lannerch on this, can't really see the point in having more than a tabbard.
I see the 'lit up like a Christmas tree' hi-vizers as being nervous riders, rightly or wrongly, who want to draw as much attention to themselves as possible as they can't cope with traffic coming past at even a reduced speed.
I have one of the most bombproof horses it is possible to have. And as an enormous Draft horse she certainly draws the eye. She spooks at very little and when she does it's just a little jump 'on the spot'. Apart from the fact that she usually prefers to walk on the crown of the road and knows full well that she has right of way it is very unlikely that anything that she or I do on the road is likely to cause an accident. But I can't speak for other road users.
However I wear a fluorescent jacket with sleeves, fluorescent gloves ( so that hand signals can be seen) and a hat band (so that I can be seen over walls/hedges). The horse wears 4 leg bands (as movement attracts the eye) and a tail guard with lights.
I have been riding for over 40 years and started riding in the days when we all wore hacking jackets and beige breeches/jodhpurs and there wasn't much traffic on the roads anyway. I want my horse to be safe, even if we part company - which is highly unlikely.
So I shall continue to use as much hi-viz as I can get my hands on. I am not at all embarrassed about being seen but would be if there was an accident and I hadn't taken every precaution possible.