How about this for a commuter jacket. You should design something with flaps that open to reveal reflective strips, so that a commuter could open them before leaving. Then, once he is finished his ride, he can close up the flaps so that the jacket looks like ordinary street clothing. The jacket would also have good ventilation (armpit vents, or perhaps a system that funnels fresh air around to the rider's back) and pockets that can be zipped or snapped shut.