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Don't take this the wrong way - and I agree that modern headlights are ridiculously overpowered - but have you had a recent eye test?
I'd thought my vision was absolutely fine but had an eye test through work, which showed a slight amount of shortsightedness, the result of which was that my eyes were trying to focus on the glare of headlights on a wet windscreen instead of further afield. One pair of weak spectacles, which I just use for driving, later and driving in the dark and rain is a lot less stressful and tiring.
But yes it could also just be your filthy car ;)
I don't drive often, especially when dark, but needed to last night and it was horrible. I could barely see a thing due to being so blinded by car headlights, especially newer cars with halogen bulbs - It was ridiculous. I bet it's no more dangerous if everyone instead drove with their parking lights on.
Maybe I just need to clean my windscreen...?