On our USA bikes, one headlight is the low beam, and the other the high beam (angled higher), so you can't have both on for obvious reasons. So there's no real solution to having both stock headlights on all the time without being illegal (and annoying ).
IMO you're crazy not running around with high beams. I've done enough studying and been driving for years, high beams on and I will spot you much better than not. While these lights are awesome and 100x better than my previous halogen bulb bike, I'm running high beams day and night. Am I annoying? I hope so, here in S.Florida I enjoy riding but most of my attention is not dying and being hit. Every single intersection is a risk and my high beams are letting people know i'm there a little quicker.
Motorcycles already have an issue with people losing depth perception with just one headlight, my brights on make it a little worse, but the issue I have is other drivers seeing me more rather then less.
I go to GA a lot in the mountains and most of the time there I'll just keep the one headlight on, mostly because its a motorcycle mecca and the drivers are so used to there being bikes everywhere.
You can have both on if you want, but my point is you can turn it off and be legal at night. As far as the 'annoying' part, it's what almost every motorist tells you, not me. And if you ask me, if you think your high beams are saving you from an accident, you're wrong. You should always assume nobody sees you, because with distracted people, you can have 10 lights, and they still wouldn't see you, so speak for yourself. He he. I always assume that, and never had any issues, don't need to piss people off with high-beams, and don't need to use the horn either. But to each his own.
Again, why am I caring so much about peoples feelings when I'm on a motorcycle at night? I see other bikes all the time with their brights on and I think nothing of it.
Do I think high beams are saving me from an accident, absolutely !!! no questions about it, will it save me no matter what? of course not, but I know the drivers down here and being a cage driver myself I know what I spot faster than anything. The flashing headlight wouldn't be a bad idea either, I spot those super fast as well, then I take notice of it.
I also have a blaster in the rear, flashing like crazy to let others know I'm there.