Reflective is a reflection of something or a reflection off something and a narrative is more there you are the narrator and you create what happens
In all of the options you provided, driving would be the gerund.
The husband gets tickets to a rich person's party, worries about getting a new dress, borrows jewelry, goes to party, loses necklace, works for ages, buys necklace, meets friend and finds out the necklace is fake.
The answer is who because whom is not really saying what she is wondering