Alas thermals are still pricy (search up same for scopes and other optics). You have the right idea though!
I hit a deer last April. I might have saved my car, if I had a thermal to at least warn me there was one on the road. I had visual warning, because it jumped out of the ditch and a farmer’s field access road prevented me from seeing it.
We live on a mountain road, with lots of ups and downs. The lights we have on one of our cars chops off the beam on the top to reduce glare for other drivers. When headed downhill toward a dip with a rise beyond, the power of the beam has the eyes responding such that it renders the rest of the field completely dark. We’d be better off with a lower and more diffuse projected beam.
Ultimately, while one would like lights that followed the eyes of the driver, there would still need to be a way to back off when looking at opposing traffic or at mirrors.
It’s a complicated problem.