I know that, that's why I taked Lasher PrC (Sword and Fist PrC) levels to negate most bad effects. Like I can use normal whip cause LETHAL or NON-LETHAL damage by will, also I do not suffer attacks of oppoturnity when I use whip, also I can do cool stuff whit whip (stunning attacks and Third Hand tricks), do two extra attacks whit highest mod (altough whit -4 pen) and also I get attacks of oppoturnity whitting reach of my whip (altough this later I am not that sure, but I think one Lasher class features allowed do that). If not, then I replace Combat Reflex whit something else then.