It's such a shame, as the game *IS* capable of amazing reflections... The first time I noticed this was early in the quest to get the FlatHead from the meat processing plant... In that cramped camera-riddled T-junction I nearly jumped out of my socks when I saw Jackie's reflection in a glass door and thought it was a Malstromer up ahead (but instead of being cool, it became a weird and immersion-breaking moment instead as there was no matching reflection of V — who's actually a vampire apparently.)
An easy way to see a realtime reflected character in window-glass is to pick up a body and carry it in front of a window... you'll see the NPC you're carrying over your shoulder reflected just as you'd expect, but not V. Hopefully CDPR fixes this eventually, so that V at least reflects properly off of building and
especially car windows too...
Oh, and BTW, I do think the settings are buggered for certain world objects somehow... If you go to V's apartment, there's a perfect example of this... In V's stash, there's a stainless steel counter-top that can reflect the weapons and other clutter sitting on it... except when RTX is ON the stuff sitting on the counter DOESN'T reflect, yet when RTX is OFF they DO have realistic reflections.
It's like the metal's RTX/non-RTX shaders are reversed/flipped.