Balance safety and what you like. Hi-Viz will be safer but only if you are willing to wear it. Some folks just can't bring themselves to do so. Personally I don't have Hi-Viz in my jacket but I do have an extremely Hi-Viz reflective vest I wear when commuting or riding in busy traffic.
The brighter the better.
"Yes. It looks insubordinate, but it isn't really." - T.E. Lawrence