Re t-shirts: They suck unless you like bathing in your own sweat. There are lots of good looking plain or low-key jerseys. I got a nice looking Hind jersey from rei-outlet.com. I also have a US Postal jersey that I wear in honor of Lance and the Blue Train. I know that a lot of folks'll think I'm a poser. But when I wear my Niners jersey I don't expect people to think I'm Jeff Garcia....

Re reflectors: I took mine off. They're just one more thing that can rattle around. Instead, I have bar tape with a reflective strip and I put scotchlite tape on my seatstay and helmet. Combine that with a good light and blinkies on my pack, and I'm pretty well-lit at night.

The one thing I'd like to find, though, is a a pair of gloves with reflective tape. I keep thinking that hand signals don't do much good if drivers can't see your hands.