Andre,
If my experience is anything to go by, most reflective fabrics are at their brightest when new and clean. Reflective glass beads in a matrix comprise a rough surface that is superb at catching and retaining fine dust and dirty water. It is equally hard to scrub clean without dulling the reflective properties.
I've found my best strategy with such garments is to take real pains to keep them clean, which also makes for less washing, which can also lead to dulling.
How durable might silkscreen dots/coatings be? I've found the thinner varieties to be more flexible and longer lasting. When they are laid on too thick, they become stiffer than the surrounding fabric and tend to peel from their edges.
With my luck, I'd get chain oil or -- worse yet -- rim oxide on a new jacket with the first wet ride. That has happened to each of my last three. I now just shrug and say, "Perhaps .05% of the surface area is flawed. That leaves a lot for visibility". It is also why I save the newer/better stuff for day rides and use the older/stained clothing for extended tours, which are always much harder on my wearable kit. Intense sun tends to fade my hi-viz stuff pretty quickly so I save it mainly for rainy/dull days, passing it down my clothing food chain as it becomes paler.
With reasonable care, I think one could get pretty good service from both the hi-viz colors and reflective coatings.
Another option would be to get a hi-viz jacket for daytime and cover it with a compactly stowable reflective vest for nighttime use. I bought a TÜV-approved neon yellow mesh safety vest with 3M Scotchlite stripes at an apothecary at the Titisee in Baden-Württemberg for 2 Euro that later worked great keeping me safe transiting a series of 21 very dark and sometimes lengthy Serbian tunnels amid car and truck traffic. Worn over my neon yellow long-sleeved sun jersey, I felt much safer night and day and the combo made for a better solution with lower replacement costs.
Best,
Dan.
