Well, I think that all advice points toward using the Reflectix, so I picked up a roll of it yesterday (24" x 25') at Home Depot ($21.95 at HD compared to $28.95 at Lowe's
).
I think the windows are symmetric so that the covers can be flipped over (for example, the rear and side door windows) or swapped pairwise (front door windows), so I will probably cover one side in black fabric, wrapped around the edges the way SMB makes their shades so that the edges are stabilized. Then in the winter I can use black side out, and in the summer I can use silver side out.
As for aesthetics, I'll just have to move making window shades/curtains higher up the priority list! Then for deep winter camping, I'll have Reflectix and curtains.
Thanks!