Now that is a lot of good info!

I would say that Neon is good for when there are no lights, and reflective is good for when there are lights.

That said, if the light source is not in line with the driver (or whomever) and the light isn't shining on you, it may not make too much difference.

Lots of my commuting is after dawn or pre-dusk. That is the dangerous time as light is grey, and headlights are not doing anything yet (if they are turned on).

Especially at those times, active lighting (especially a strobe) works best.