here is my take on it. And this did work for me for many years.
If I am on the divided highway with light to normal traffic, I turn my headlight completely off. Everywhere else it's ON, but never the high beam.
Yeah, I've got a switch - works well for track days. Also good to turn the lights off whe traffic is light. Why? When you are doing mach-3, and a cop is hiding 1/2 mile down the road, and then he sees a single bright headlight, does the cop need to guess who is coming?
Here is the thing, the brighter your headlight, the more likely others notice... the bright headlight, but nothing else. The flip side of the bright headlight is that after another driver notices your headlight, they are comletely unable to see what kind of vehicle has this headlight, or at what speed this vehicle is traveling. More drivers yield to me when I ride without the headlight.
The fact that modern high beams (no matter what vehicle) blind other people - well you probably knew that before the incident. I also think the sudden bright light, even during day time, and even more so at night, often scares other people prompting them to do stupid things. I'd rather be invisible. Which is the case most of the time anyway when you are on a bike. At least, if others don't see you, you can predict their behavior. However, if they are spooked by the headlight, who knows what they are going to do.