I do not know about the other services, but the Air Force no longer requires the reflective vest.
I just got another jacket for father's day, so now I will ride with it, jeans, full finger gloves, boots and my 3/4 helmet. I have a full face for colder weather.
I wear a leather vest with some bright patches on it. I have a mil spec reflective vest, but it stays in the saddlebag more often than not.