On my winter hybrid bike, I always wear a reflective vest regardless if it's night or day.
On my recumbent, during the day I don't wear anything reflective. At night, I usually wear a reflective band. Of course, I always run a main headlight, small helmet headlight, and 2 tail lights at night, so I'm not even sure if the reflective band makes a difference. This is what my recumbent looks like at night:
