I don't know if you have Academy Sports where you are, but I get reflective vests/ jerseys there. They're not outrageously priced.

I do the bulk of my riding in the pre-dawn hours. This time of year down here, as the night time temps begin to fall, the deer become a lot more active at night and early morning. Definitely have to be alert. Also, hazards in the road that are easily visible and avoidable during daylight can be a lot more treacherous after dark. Even with a headlight(s). Just be alert, aware, and enjoy!