But one of the essential features of a metal is that the atoms all share a bunch of electrons that are free to move around more or less any way they'd like throughout the material. Because the electrons aren't trapped in one specific bound state, they have an essentially continuous range of energies available to them (just speed up or slow down a little to change your energy), so they are able to absorb photons of any wavelength at all.
[Now, to actually understand why you get reflection rather than stopping with absorption would take me a little more work to figure out how to explain. My instinct keeps being to go back to the classical explanations at that point, but I wanted to focus on quantum here to address your question about electrons in orbit.]
As another though experiment, consider that you dread walking barefoot across cold tile floors but can bear to walk across carpeted floors in the same house. These two materials are at the same temperature.
Also consider aluminum foil you just pulled out of the oven. It's thinness runs contrary to the large thermal capacity of a solid chunk of metal- you can touch it immediately because you are such a large heat sink compared to it that it can't burn you even while it has only just started (rapidly) cooling from 350°F.