Riding late at night you're going to want lights and reflective gear. The girl above (photo by JeremyHughes) is an inspiration to me as to how to wear a reflective belt and not look completely like a crossing guard. I have a coat very similar to hers which I bought specifically for my commute. Looking into belts I see I can get them in white or aqua, which I might prefer over the safety yellow. I think the aqua might be just the thing! Available from ZF Reflectives for $14.00, I'd adjust mine permanently and sew it in place, so that I could remove a lot of that clunky hardware.
I actually rather like these colors, I think even this yellow would look cute with the right ensemble, and the red! the green! There are lots of options here...
