I have many different pieces of Nightlife reflective wear for my biking.
They are all slightly different and fit differently, so I can't give you an all-inclusive lowdown on the sizes.
The good news is that I am shaped just like you: "smallish chest, narrow waist and wide hips. A size medium in most tops.".....so if you are interested in a particular Nightlife item, I can tell you the size that fits me. I'm 145 lbs, 5'5" tall.
I just LOVE my nightlife stuff- it keeps me feeling safe, and car drivers are always commenting to me that they could spot me a mile away down the road.
As to how well it breathes- well i'm not sure how to answer that because I am a big fan of merino wool which breathes really well. All poly/lycra stuff seems less breathing friendly to me. Nightlife stuff seems to breathe about as much or as little as any other polyester stuff I own.



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I'm on the constant search for something that is: Ridiculously bright; reflective; form-fitting; lightweight; breathable; hopefully at least one pocket. I've been running/biking in a Pearl Izumi Optik vest, which meets most of my criteria except that it actually fits terribly! (Armholes constricting, chest way too big, too narrow at the hips, flaps around on top and catches air when biking.) The Optik breathes very well though. Other jackets I've tried for biking/running all have tended to be not breathable, however light or heavy they were.