i agree with your color temp selection. i partially agree with your recommendation against a projector retro. it really has to depend on the type of riding the owner will do at night. personally, i do not ride as lively at night as during the day. yes, while turning, the cutoff can produce a negative result. however, if you install a bi-xenon projector, activating the high beam will help alleviate this problem.
for an example, see around3:30 in this vid (btw, the camera doesn't property represent the throw and width of the output. it's much wider and farther in person)
in my opinion, if you do not ride aggressively at night, the pros of a proper projector retro outweigh the cons.