I just returned from a vacation to England - almost every biker I saw had on Hi-viz. (As did every construction worker, and even a guy stocking shelves in a drug store). I picked up a couple of "jerkins" for 2 for 5 lbs (~$5 ea) at a sport store, which are actually these http://www.vizwear.com/detail.php?p=2&c=0.1 . The bottom flapped a bit, so my wife sewed 2" wide velcro ($1.48/yd) on to fasten it better (the stitching can be seen in the attached picture). The hi-viz comes off/on with my Joe Rocket Ballistic jacket.
Ya know, the last laugh may be ours. I'm a pretty non-descript 45-year old guy, and the last time I ran into the grocery store wearing my Hi-Vis Phantom suit for a quick couple of items, not one, but two young attractive women complimented me on the 'cool suit'. Wouldn't have gotten the time of day from either of 'em if I were in my civvies.I wear a hi viz yellow jacket form Olympia. I get a lot of comments about it, so people must see it. Let 'em laugh, at least they see me!