I'm with you on this one, Lloyd. And about not being the be all, end all answer to being seen, as well. I was never a fan of running the headlight during the day, as I upgraded to a halogen 55/60, and didn't know why my battery couldn't electric start my bike at the end of the day. I know better today.
But I did get an interesting mailing from the DMV about 25 years ago that might help explain why we aren't seen, and interestingly, it has nothing to do with lighting, and everything to do with how we "see". It was an extra flyer with a license renewal. It was folded width wise, so when you opened it, it was almost 17 inches wide, and 3 inches tall. On one side was a graphic of a motorcycle, the other side was a simple dot. You were instructed to look at the dot, and while at first you can see the bike in peripheral vision, within about 15 seconds, it disappears. So I guess that while we are concentrating on "driving", what we're not concentrating on, disappears. Screwy, isn't it? The human brain is out to run us over!
So that is why we, as riders, must be ever vigilant. 110% or more. My old boss at the dealer had a phrase, "enlightened paranoia", and basically it's the ability to assess any and all situations and "know" what anyone else will do in any given situation. An example might be being ready to brake when going through a green light, just in case someone runs it from the red.