OK, I think I may be the only one here with HID installed, so I'll put my 2 cents in here.
HID works soo well, that you don't need high beams, unless someone wants to bust chops on an inspection.
I do have hi/low finction though, its just that high is only marginally higher than low.
I have a system very similat to the last picture, except the mask is controled with a solenoid to give high or low pattern. I'd shoot some pics if it wasn't such a pain to remove it.
Light color: you want no more than 5000°K, any more and it starts getting blue. coatings of any color on the bulb will only reduce available light, even though the blue seems a little brighter, it really doesn't provide as much light in the spectrum that you need..
Do make sure that whatever you buy gives a really sharp flat low beam cutoff, not easy with our reflector pattern. I tried a few kits that threw tons of orange and yellow light above the cutoff line.
A sharp cutoff lets you raise the beam alignment without blinding other drivers.
John C.