This is a great spot to post on the upcoming Bike Winter workshop: Make it Reflective! that Willow and I will be hosting over at Active Trans on Dec. 5. I'm trying to organize another workshop for next week but I'm having trouble finding a central location for it.
Re. people who don't have lights... I see it as my personal mission in life to hand out blinkies and front lights. I carry at least 2 flashlights on me at all times. I frequently hand out a $4 LED flashlight with a fat rubberband wrapped around it. You can buy these at most hardware stores, some Walgreens, grocery stores, etc. It takes literally 5 seconds to mount it to their handlebars, and people are so universally grateful for it. Almost no one knows that front lights are the law in IL. The blinkies I buy are from trade show premiums, and run about $1.50/piece if you buy 75 or more. You can also spend a bit more (about $3/light) to get a bike mounted blinkie from China. Yes, I know this is not the best sort of business to support (buy local!), but I can't afford to buy these for freebies if they aren't super cheap.