Fluorescence is good. I almost hit a bike once because he was lane splitting and wearing black. I just didn't see him until the last minute.
Still, Bright LED lights or strobes is probably the best. a bike with mute colors and no lights is near invisible
People literally do not see what they do not expect to see if it doesn't stand out.
I wear a fluorescent yellow bike jersey, socks, and shoes, along with daytime running lights.
I do have a vest like you mention that I got for $4 at 5-below. Hansens makes some running and bicycling vests (but they are incredibly geeking looking).