Most states don't even hassle cyclists without any reflector or lights! Even in California where I use to live I saw many cyclist without reflectors or lights ride around at night and not a peep from the law; likewise here in Indiana it's rare to see a cyclist running lights or reflectors, and yet again not a peep from the law.
In Californa I didn't have any reflectors except my leg bands and yet by law their required on the rear, the pedals and the wheels; and yet myself or anyone else I knew never got citations for not having them...but I did have lights.
I think if you had a rear light and no reflector but the reflector is required in your state, I bet the law would be happy you had the light and would leave you alone!
My state requires a bell, I have yet to run into anyone with a bell (including myself) and no one has ever received a citation.
Personally I think the law enforcement agencies are doing an injusticeto their citizens by not ticketing cyclist without lights or (not and) reflectors.