As you’re saying, it’s very hard to see with your crappy headlights facing forward in turns. I completely lose confidence when I can’t see where I’m going, and thus usually try to avoid riding in those conditions.
But man, I know what you mean about random animal encounters. Things like that are suddenly much more of an issue when you’re on two wheels. If you run over somebody’s crazy cat in a car, you have to live with the guilt, but on a motorcycle that could spell baaadd news. Around here there are lots of possums, squirrels, and neighborhood cats to get in your way.