It is enough to say absolutely nothing, and request the government to prove its case.
If someone shot a person with my gun, I would invoke the fifth amendment, and ask the government to prove who did it beyond a reasonable doubt.
(EDIT: I should note that you also have a right to remain silent when questioned by the police- and since they won't know who to charge, there will likely not be a court case to call you to testify at)
5th amendment protections are much weaker for civil cases though.
You're not going to roll on whoever really did it (assuming you know), and trust your fate to a jury understanding presumption of innocence, and being convinced of "reasonable" doubt, without you saying a word in your own defense? Most people would not unless they had an iron-clad alibi, but if they did, they wouldn't be getting charged in the first place.
Now, per the judge's ruling in this case, red light tickets are actually quasi-criminal, not purely civil, so the standards of criminal law might need to be applied.
Sounds nice on paper, but unless you have an absolutely airtight alibi that's a great way to end up in jail. Oh, you were alone at home all night? Well, your neighbor is pretty sure they heard you come home unusually late, and a witness saw someone who kinda-sorta looked like you run away from the crime site, and the victim was sorta-kinda involved in your social circles, and there's video of victim bumping into you a few weeks ago in a bar and you reacting in what could be interpreted as an aggressive way - and it is your gun...
Or you could tell them who you loaned the gun to. Your choice.
Is it appropriate to compare murder and running a red light given what you know about the civil implications of 5A?
Only in criminal contexts. In civil contexts your silence can absolutely be an adverse inference. Usually these red-light cameras are civil penalties, not criminal (fines with no points). The judge here seems to be saying that these are "quasi-criminal" because, uhh, I guess there are penalties.