Like with cars, you'll only blind oncoming traffic if your headlight isn't aimed properly.

My quite powerful (able to blind if I aim it at people's eyes) Busch + Müller IXON IQ Premium comes with rechargeable batteries inside, but will also accept 4 regular AA batteries. Meets all your criteria except it's not USB rechargeable. The light comes with its own dedicated charger that plugs into the light. I wouldn't want to drive at night without it.