Oh, Lord...I don't know what to say except nice work, Drift Monkey.
Note that the only HID lights that effectively "blind" other drivers are when you put HIDs in a reflector housing, which is designed to scatter light thanks to the reflector. In a properly-designed projector housing that is also properly adjusted, HIDs will be fine, though senior drivers will still find the light bothersome. This, however, is because it exists in a spectrum in which older eyes are particularly sensitive. My wife is also really bothered by HIDs, which is why she hates driving at night.
Yes, lower color temperatures produce more usable light, even if they don't look as cool.
Someone on the board used a McCulloch kit that isn't quite plug and play, and kits are probably in the $300 range at this point.
One problem with aftermarket HID kits is that for whatever reason, they seem to have a lower bulb life than OE HID kits, which often last the life of the car. Generally HIDs emit less actual heat than halogen bulbs, so in theory, they should last a long time. This is often not the case, however. Ask lots of questions, particularly over at a place such as NASIOC, where lots of people have done all sorts of HID conversions.