You be on the correct track here, Art.
However, studies have shown that random placed retro-reflective is not so helpful . . . it should define a recognized shape or form to a driver. Application to the head, shoulders, arms & back of a rider would be best.
A driver may clearly see something, but unless he can recognize it as something he has experienced before, he is unlikely to respond to it until too late.
Brake, turn & running lights are mandated as FMVSS (federal motor vehicle safety standard) and are superior because they are commonly in use and easily identified by all drivers.