Some urban commuting gear I've gathered (or: commuting gear from the guy who hasn't actually commuted yet so take with a grain of salt) - exclusive of lights and locks:
Pics included:
The R&M Charger with Body Float and Shimano Saint pedals added (may not keep the pedals). The Charger with some subtly applied reflective tape - added the suspension fork reflectors sent by Propel (thanks Chris), small amount of tape applied to the fork, battery pack, motor housing, spokes.
Helmets: Bell Annex MIPs and Kali Protectives City:
Bell has better reflectivity, has a brim/visor, dials in fit pretty well, light clip on the back, adjustable vents - they sell one option with eye shield that is a bit more expensive. Kali dials in fit very well, I kind of prefer the straps on the Kali, light clip on the back, comes with 2 eye shields that interchange and stow away inside the helmet, removable ear protectors which are very warm and nice for blocking wind noise. The Blackburn Super Flea taillight has a helmet clip that attaches nicely to either helmet.
Jackets: Marmot Gravity in orange: not sold as a cycling jacket hence no reflectivity but I have a reflective safety vest to fit over. The Marmot offers excellent wind stoppage and I've been fine at 30F or over with proper base layers. At 40F I found it hot or I had too much baselayering. Shower's Pass Amsterdam Jacket: a cycling jacket that does not look like a cycling jacket - reflective accents and some fleece protection - sometimes wear this casually with jeans to work and it looks great.
Arm and leg bands LED from Planet Bike and Glow City. Halo head/skull cap - thin and fits in the helmet nicely keeps some warmth in.
Pants and vest: Shower's Pass Rogue pants - cycling pants that don't look like cycling pants. Great fit for me and warm at 45F without baselayers. Warm at 30F with baselayering.
Shoes: New Balance 530 Reflective. Added Jogo Grip lace keepers. For warmer weather I use some Chaco water hikers (no reflectivity) not pictured.
No pic:
Ortlieb Sport Packer plus panniers: good fit and reflective accents. 1 pannier fits some tools with a mini pump and my locks with room to spare. When the locks go on the bike the battery pack will go in. The other fits my laptop and a change of clothes and shoes with a little room to spare. Water proof and seal up nicely.