Keep in mind that as Java is Clojure's runtime, if all calls into Java involved reflection, absolutely anything/everything Clojure did would be slow, because everything is Java at the bottom. Calls into clojure.lang.RT are typically done through the same mechanisms as anything else.
Not really. You can generally write java interop code in clojure that is exactly as fast as equivalent java code, including type hints to eliminate reflection. Generally that means its more low level, much more verbose and faster than idiomatic clojure.
clojure.lang.RTare typically done through the same mechanisms as anything else.