If your pockets aren't that deep then stick with decent quality sealed beams.
Years ago I brought a set of unknown brand H4 inserts on ebay and fitted them to the Hilux with decent Phillips globes and they made a big difference, but as Brad_m said first river crossing and they looked like fish bowls! Within 2 years the silver reflectors had dulled and the glass discoloured, a big stone finally put one out of it's misery and I refitted the original sealed beams complete with their yellow glow.
Managed to pick up a set of 2nd hand IPF inserts complete with globes on ebay for $35 delivered, still with their original boxes! Still have never got around to doing a loom upgrade, but the difference between the IPF's and cheap ones is massive. No fish bowls either!