When carrying heavy loads..
 

940 Estate, non-nivomats I think, 170k miles, handles well with twin ARB on the rear, chassis & strut brace BUT when I'm loaded up (and that's quite regular at the moment due to house move) I'm "shooting spuggies" even on dipped beam. Last fridays trip through Scotland I was being flashed rather too often.
Is there a simple, quick, remedy?

I may well go for uprated Bilsteins at a later date but not at the moment. Ideally due to the state of the roads I'd rather be raising than lowering the car too but that's not really a simple job at the front so for the moment lifting the rear??

Try some spring rubbers?

I've never had the need to use them personally but they might be an affordable solution.

It is the first car I have owned where there is no headlight adjustment. Why?

I guess if it bothers you that much you could always adjust the beam alignment using the adjusters on each headlight. They do often seize through lack of use though. You can check if your car was originally equipped with nivos by examining the chassis code. Use the FAQ to decode it. If it was, and is now on ordinary shocks this can cause the back to sink, especially if the original springs were designed for nivos. You could also consider converting to nivos, although this is probably not worth the effort and expense as they don’t fully restore ride height on a fully laden car.

I have the same problem but my rear springs have sagged over the years. I was thinking of fitting uprated springs.

Would they sit under or over the bottom or top coil as a spacer rather than keeping coils apart? As they are shown the just out extra load onto the free coils.

Not half as much as it bothers everyone coming in the opposite direction...

I suppose its only for a limited period of time, didn't matter in the summer when it was light until after 10.00pm but at the moment it's over 5 hours journey time in darkness.

air shocks on the rear. Adjust the air assist to suit.

http://www.shockwarehouse.com/site/mon_air.cfm

The reason I say that is that personally I tend to just shrug off gestures from other motorists on the basis that we should all just focus on driving the one vehicle we happen to be behind the controls of. However, I know it can be irritating when someone deliberately tries to dazzle you. I had this myself only yesterday when someone clearly thought that the effect of a bump in the road was me flashing them. As there was no one else coming from the opposite direction I did weaken on that occasion and show them what it would have been like if I had really flashed them.

You could try using black insulating tape to mask part of the beam.

Adjust your headlight beams lower.
On my 940 I think each headlight has a pair of large plastic knurled knobs right on the top.