REI has the
Planet Bike Eco Rack... It's the only rack for under $30 that I found that meets my needs. Good mounting system (pre-assembled so it's ready to mount), space for my lock to slide inside of, decent load capacity, and a solid deck (which works as a partial fender if you don't have them.
Lock ON!! DUDE!!! What good is the bike if it's in the hands of a criminal?
As for reflectivity... I'd start
>>>HERE<<<