I'll agree with Shelton on that. To properly do it, you do want projectors. However, projectors are
expensive, I'll side with you on that. Not to mention retrofitting your existing housings can lead to more problems than it solves, but projectors in one way or another are the proper way to do it.
Honestly, if you're going to get projectors, I'd just get a premade projector headlamp, but that's just me.
If you still want a kit that is plug and play but won't blind the crap out of everybody, go for an LED headlight kit like I bought. Took me less than an hour to install. It installs exactly the same way an HID kit installs, but is LED instead.
100 bucks, has everything you need and doesn't blind everyone. Everyone wins.
Or, if you'd rather not spend that kind of money but still want better performance, go for the Sylvania Silverstar Ultra bulbs, I believe they're called. They're halogen bulbs still, but they're a good OEM replacement. My father runs them in his Ranger and they seem to do rather well.