For the price - I added Osram bulb to headlamp (80/100W) for $20 & then just finished installing HD's FLHX Passing/Driving light kit (~$350 for all). Not as bright as HID, but at least makes me a larger illuminated target...
I have the HD LED headlight and I can see the light reflecting off road signs as I'm riding along during the day. I don't know what it looks like to oncoming traffic.