If state law says reflectors are required, the issue is technically moot. Even though I don't have them on my road bikes... My touring bike, -yes. they came with the bike. Did not intentionally leave them on, since I am well lite at night anyway.. Police have not bothered me on bikes without..
As to jerseys.. I believe a cyclist can wear whatever he wants.. However, just doing a road poll- it is few sweaty cyclists, that I see; that do not wear jerseys..
Wearing cotton when you sweat is nuts.. The wicking properties of most jerseys is better than wearing no shirt at all. And t shirts that might be made of coolmax, don't have zippers that you can lower when you are hot..
Plus, to the motoring primates - we need all the color we can muster.. I suspect your cycling friend does not read 'style man' if you have a need to be in style..