Dip switch is likely, you still haven't answered the question as to low beams on with only the ignition switch turned on. I installed an Eastern Beaver relay on my 05 and I ordered it with the low beam cutout option. That kit provided a weather proof toggle (I mpounted to the plastic cover on the lower right side) to disconnect the low beams before startup. When I lived in Kansas that was a very useful option for cold morning starts, no pre-draining my battery with snapping on the headlights. with the ignition switch In Texas it was only useful to get people to point at the weird bike with no headlights lit running down the street the few times I toggled the lights off before startup.