I reckon the main hazard of having an inadequate front light is drivers emerging from side roads without seeing me - but then, that's a major hazard in broad daylight.I do actually wear hi-viz (with reflective bits) over my "normal clothing". The route to Belton is not too hazardous: there's now a good cycle path alongside the A512 between Loughborough and Shepshed, and most of the way between Shepshed and Belton is along the traffic-free NCR6.
I was on the point of ordering a Knog Blinder front light a few days ago, but then read some rather mixed reviews. So I'm still considering what to get.
Yes, the B5324 through Belton does carry some scarily fast traffic. I only need to cross it , not ride along it, on my journeys to choir practice (and had to wait for a couple of fast drivers last night); but I have often ridden various stretches of it in daylight, so I know what it is like.
So neither of these incidents were related to the quality of your light?