I find this problem to be most severe as a pedestrian - when my eyes have adjusted to the darkness (even if I'm carrying a flashlight, it pales in comparison) and a modern car is oncoming, I cannot see _anything_. Out here in the sticks where there are no sidewalks I can either take it on blind faith that the driver has seen and will avoid me, or I can step way off into the ditch (but not everyone has that option).
PSA: Turn off your automatic high beams, they aren't worth it the damage they do to the rest of us.