1) Standard cycles mate, lights and follow their instructions is part of the HWC no?
2)Yeah thats what my insurance is for.
3)Because cars intend to crash into each other?

Bet you wouldn't be doing that if you had some form of ID plate that people could then claim you left the scene of an accident eh
4)Dark roads, minimum lightning and a cyclist with no vis or lights?
You think thats safe cycling?
5)from what you said the no indication of turning is questionable.
But If I went into the back of a car wouldn't it be my fault for not leaving enough stopping distance?
1) I decide what is safe and what isnt, and what rules i should follow while on a pedal bike, i've had no accident that was my fault (see #5)
2) I'm not legally required to have insurance for a pedal bike, if its their fault, they pay me (or mabye not?), if its my fault, well i buy myself a new bike, rinse and repeat. a bike is smaller and more Manoeuvrable, trying to compare what you do on a bike and car is totally different.
3) Well no, but its not like i've just killed someone.
4) On all main roads around here, It is not dark, if you cannot see someone on a main road in London then you have problems with you're eyes. Problems happen at turns etc when people come out fast, without a chance to see the person, this is irrelevant of lighting conditions
And i do have lights, just not a high visibility nonsense. And as for helmets, that's for when you have an accident, wearing a helmet doesn't reduce the likelihood of an accident.
It is safe, i don't have a death wish, if i believe at some point i should slow down, or give way i do, and i have a lot of experience at that rather than someone just reading the highway code. You think its not safe, just like some people use bleach all over the place because bacteria is not safe.
5) Its not questionable its as bad as running a red light. If you replace me with a car = crash although no-one would be hurt, just some sort of damage.
I didn't go into the back of the car, I hit the side on a 60degree angle. He actually cut me off by driving right in front of me from the right lane turning left without signalling or even looking (i was in the left lane)