In my city people seem to be opposed to having lights on their bikes, or they just have a rear light. Lights are not just about making you visible, but making you too obvious for a car to miss. Ideally you want a bright blinking light (depending on your local laws).
Cars are dangerous, and the people who are driving them are probably tired from a long day of work, thinking about what they'll cook for dinner, or even worse distracted by their phone. I agree that drivers should be giving full attention to the road and checking carefully before every movement, but that's not reality - do what you can to make it easier for them to see you.
If you are coming from behind a car at night without a light, the car won't see you. If it needs to turn across your path, the high vis alone will not make you visible. Same if cars are coming towards you. My city has a lot of streets that are bus lanes in one direction. If you are cycling along here at 20km/h a car turning left probably won't see you without lights, given you are much smaller than what they would expect to see there (a bus).
The only case where I can see high vis being useful, where a light would not, is if a car is coming at you from the side.