Wilbur,
I took your suggestion and retrofitted an LED version of the MR-16 into my headlight.
I bought it over-the-counter at Greenvale Electrical Supply House, on Glen Cove Road, in Greenvale, Long Island.
The make is Toshiba, and the price was $11.10 + $0.96 state sales tax = $12.06
It has three diodes , it is warm white, and is rated at 6.7 watts. It looks as bright as the 20 watt halogen, but I can't wait for it to get dark. OK , it's dusk right now, I'm getting ready for a test ride.