This weekend I ordered a large amount of 3M Scotchlite "black" reflective film for my black commuter cycle It is discrete in daytime and glows bright white when lighted at night time. I'll post pictures when I have the stuff mounted.

Kinco makes inexpensive high quality Hi-Vis insulated work gloves. The reflective band across the knuckles is effective for signaling turns, etc.:

I sealed the fabric and leather with a waterproofing treatment and use them down to 20 degrees F.