3) put yellow reflective stickers (
http://tinyurl.com/yupxz) on everything: my rack, the seat stays, the panniers, the backpack, front and back of helmet...everywhere I could. The stickers are cheap!
I absolutely agree with the poster who said that once you've gone HID, there's no going back. It's the difference between seeing rusty nails from 30yds away at 25mph, or whimpering along at 12mph hoping to catch a pothole before it catches you.