People often aren't observant whatever they do be it walking with sound-proofing headphones on, walking dogs doing an impression of being a may pole, faffing around behind the steering wheel of a car, or on a bike.
Getting colour/ brightness into clothes when out and about at least boosts your chances of being seen by others.
Recently there's been a few times that there's been a pair of people on the pavement and I've asked my DCs how many there are and they've only spotted the bright colours, not the ninja-like person in black blending into the shadows and bare hedges next to them. Changes in lighting do not help. The lights are designed not to spread onto the pavement so you end up with pools of shadow between them. Add in glaring lights on cars that can cause a couple of seconds of visual disturbance.
The DRLs on cars mean more people driving around with the rear of the car in darkness because they haven't realised they hadn't put headlights on. Even in daytime in poor light be it driving into low, bright sun, glare after rain, or poor light levels, lights are bloody useful at distinguishing a vehicle from the sillouhettes or general gloom.
The majority of idiots on two wheels tend to be deliveroo type "cyclists" (usually on some illegally overpowered vehicle masquarding as a bike) or teenagers/ young men in dark hoodies who are up to no good anyway. Neither of which have ever laid eyes on a Highway Code. Outside of those two categories, I tend to find the majority of cyclists fairly sensible and less bother than the proportion of dozy pedestrians or motor vehicle drivers on the roads.
I tend to drive (and walk) under the assumption that I'm surrounded by blithering idiots and it has served me well at responding to the unexpected.