I wear hi-viz and think it helps with people seeing me. I don't really give much thought as to looking cool for people I don't know. I also don't really care or judge people who want to wear a t-shirt and no helmet or whatever. I have on occasion heard "Well if your that scared why even ride?" I don't ride around scared, just think it increases my ability to be seen. No false sense of security wearing it or anything like that either. I do have a nice leather jacket I wear sometimes so I ride the same either way. A personal preference what you choose to wear when you ride and no business of mine. So are you a hi-viz believer or think it doesn't matter or is very low on the cool factor?