CT Book1 p41 - “reflec may always be worn under other clothing or armour”

In theory you just ignore the combat modifiers for reflec, except against lasers, when it is better than anything else - including battle dress.

However, there is an oddity in the combat tables where reflec is beneficial against some piercing weapons (claws, stinger, teeth, spear, pike and body pistol but not horns, dagger, foil, bayonet or any other firearm)

Phil Kitching