This topic has come up here before so as to not repeat myself I'll refer you to link below. I'd echo what the others have said and add that the only time I've had any real worry boating at night was dealing with the yahoos after July 4'th show(s). That said I would advise a GPS unit for those nights should visibilty go to nil unexpectedly (it's also a comfort to have 2 sources of nav info, navaids you mentioned plus GPS). Make sure your boat's lights are working before you head out and really, really know how to interpret the navigation lights on a boat vis-a-vis the navigation rules.
http://www.winnipesaukee.com/forums/showthread.php?t=47