My headlight although bright shouldn't cause problems as it is aimed low. My tail light might be an annoyance but I rarely encounter anyone else on the path in the dark this time of year. The rear light is on my rack, so I have to get off the bike to switch it, which I'd probably do if anyone else was around.

I encountered a guy crouched holding his dog this morning. He was practically invisible, but at least he saw me coming. I usually look for regions that are slightly darker than the surroundings, but often mistake garbage cans for pedestrians.