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I use a high vis tabard fairly regularly and it's so easy to pack it away and use that even if it has a marginal effect on your safety that considering the potential repercussion to a cyclist of a fairly minor collision with a car (even if is his faulty) it's kind of makes sense.
I have worked in construction where it's mandatory and I can tell you first hand that when it's dark the reflective area is remarkable effective... however still not sold on flouro either in day or night.
Because it is so far down the list of things that improve safety and enforcing it encourages a culture of victim blaming.
If it was so fucking effective why aren’t all cars hi viz?