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)
[video=dailymotion;x1thh8a]http://www.dailymotion.com/video/x1thh8a_grom-hid-retrofit_auto[/video]
in my opinion, if you do not ride aggressively at night, the pros of a proper projector retro outweigh the cons.