I can never remember the proper terminology for the switches... but basically, an ON-OFF-ON switch. I use one of those. It has two inputs and one output (or one input and two outputs, depending on how you see things). Typically not found in the automotive section at Canadian Tire... usually in the home wiring section.
One input is high beam power
one input is switched 12v power (or non-switched, so you can run lights without the ignition being on)
Output goes to the individual switches for lights. Those switches control the relays for the lights.
Then... my 3-way switch can be wired such that:
up = high beams must be on for aux. lights (CARS requirement)
middle = lights can't come on at all
down = lights can come on without using high beams... useful for fog light situations... or if you lose switched high-beam power... or you want to illuminate something without the keys in the ignition (just arrived at the cottage, and you can't leave your headlights on to illuminate the walkway to the door)
Legal for MTO/Ontario requirements.... who knows! I've heard the odd horror story for having aux. lights mounts. Personally, I've never been hassled... not on all of the cars I've ever mounted lights to.
I wouldn't worry about that blocking the rad too much. Watch the temps, if you notice an increase, look for possible modifications.
I think you need to polish your headlights. Wet-sand with a range of paper upto 2000x... then a quick polish with some plastic polish. Makes the headlights shine like new! I've got a buffing wheel on a furnace motor (~1700rpm IIRC)... bit of polish on the wheel, then run it over the headlights. Takes all of 30 seconds to polish the headlight.
My first attempt was with a '95 Escort. The headlights were essentially useless due to oxidation/pitting/etc. I sanded and polished, and they shone like new! Dad has done it to a pair of Outback headlights, and was quite amazed at how they turned out. Just wax them occasionally to put some UV protectant on there... sanding and polishing removes any UV coatings that remained on the plastic, and they will start to yellow over time. I don't recommend trying to spray-bomb them with the automotive clearcoat that CTC sells... it's too "hot" and may melt the lenses. Ask me how I found that out...