Of course, if you drive a truck or are towing a trailer, that's a different story.
Ironically, this gets harder and harder in some newer cars. My driver's side mirror reaches its limit precisely as my car (a 2018 Outback) side disappears from the view. It's unfortunate how much flexibility we've lost with these mirrors.
One tip which you probably know already but not everyone does: you can darken your rear view mirror by flipping the tab on the bottom. Unfortunately no equivalent for your side mirrors.
I bought my car used a while ago, and it's now ~10 years old. I find the stock headlights to be perfectly adequate to drive in rural areas (and I live/drive regularly rural streets without street lights).
The difference with newer cars though is _staggering_. It's not only SUVs.
When I have a SUV behind my regular utilitarian, I'm fully blinded. The higher headlights reflect directly both into the rear and side mirrors.
The strength is also overshadowing my own headlights (I see the shadow of my car in front of me).
When a new car is going in the opposite direction, I'm never fully sure if the driver just forgot the high-headlights or not.