Well, as usually happens, I dragged a toe riding last week, so I got out the duct tape and 'armored' the toe box area of the shoe. About 5-6" wrapped across the toe area, applied so the tape tapered downward towards the sole at both ends, worked quite well. I snipped some slits in the tape at 1" intervals on the bottom side so it would wrap/fold around the toe nicely, and the effect is very pleasing. This basically mimics the rubber reinforcement in the toe box area of any tennis shoe.
I rode with this some 40 miles to my HammerinWheels birthday party on Saturday and got a lot of feedback. Some seem to think it looks 'dorky', so if that's your take, just buy some cheap Lycra shoe covers to make it all look pretty. You will give up the high viz property of the outer reflective surface, but that may be a good trade-off to some.
The reflective side that matters is the side that faces inward, and it will be just as wind and waterproof as ever, so no issues. The versatility of this system is one of its great strengths. If it were thicker or heavier, that wouldn't be true, but as it is, it can be the perfect base layer for those riding in really COLD weather.
I checked, and you can buy Thinsulate in small quantities online. I will find a link and post it when I get time. Btw, if you want to save gas, and make your car heater and AC much more effective, put this stuff between the door panel and door gasket. It also kills a ton of road noise. Time to head out the door and 'get some' right now.
Merry Christmas to you all, and thank you for all the wonderful feedback over the last year. All the best to you and yours.