ebay china specs are nealry as good as the branded kits these days.

JDM STi;s came with 4300K HID in a non reflector, non projector housing thats your best option if your worried about complying with law and insurance.

The only way your going to get a projector housing in an 05 is to have it fabricated by a specialised company a few guys in the states do it too, well worth the effort if you have the time and $$$.

Honestly though theres 1001 cars out there running hids in a non projector housing and no big noise has been made of it.